<SEC-DOCUMENT>0001140361-22-017275.txt : 20220502
<SEC-HEADER>0001140361-22-017275.hdr.sgml : 20220502
<ACCEPTANCE-DATETIME>20220502163133
ACCESSION NUMBER:		0001140361-22-017275
CONFORMED SUBMISSION TYPE:	10-K/A
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20211231
FILED AS OF DATE:		20220502
DATE AS OF CHANGE:		20220502

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			BROADWAY FINANCIAL CORP \DE\
		CENTRAL INDEX KEY:			0001001171
		STANDARD INDUSTRIAL CLASSIFICATION:	SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035]
		IRS NUMBER:				954547287
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-39043
		FILM NUMBER:		22882466

	BUSINESS ADDRESS:	
		STREET 1:		5055 WILSHIRE BLVD STE 500
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90036
		BUSINESS PHONE:		3236341700

	MAIL ADDRESS:	
		STREET 1:		5055 WILSHIRE BLVD STE 500
		CITY:			LOS ANGELES
		STATE:			CA
		ZIP:			90036
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K/A
<SEQUENCE>1
<FILENAME>brhc10037033_10ka.htm
<DESCRIPTION>10-K/A
<TEXT>
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  <div>
    <div style="text-align: center; font-size: 14pt; font-weight: bold;">UNITED STATES</div>

    <div style="text-align: center; font-size: 14pt; font-weight: bold;">SECURITIES AND EXCHANGE COMMISSION</div>

    <div style="text-align: center; font-size: 12pt; font-weight: bold;">Washington, DC 20549</div>

    <div>&#160;</div>

    <div style="text-align: center; font-size: 18pt; font-weight: bold;">FORM <ix:nonNumeric name="dei:DocumentType" id="Fact_8e7db023e60e4a19a3b12ac0668e52c2" contextRef="c20210101to20211231">10-K/A</ix:nonNumeric></div>

    <div>&#160;</div>

    <div style="text-align: center; font-weight: bold;">Amendment No. 1</div>

    <div>&#160;</div>

    <div>(Mark one)</div>

    <div>
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    <td style="vertical-align: top; width: 27pt;">
              <div style="text-align: left; font-weight: bold;"><ix:nonNumeric name="dei:DocumentAnnualReport" id="Fact_2f67313377dc400f931e55363e9edfde" contextRef="c20210101to20211231" format="ixt-sec:boolballotbox">&#x2612;</ix:nonNumeric><br />
              </div>
            </td>

    <td style="vertical-align: top; width: auto;">
              <div style="text-align: left; font-weight: bold;">ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>
            </td>

  </tr>


</table>
    </div>

    <div> <br />
    </div>

    <div>For the fiscal year ended <ix:nonNumeric name="dei:DocumentPeriodEndDate" id="Fact_a2974891207b4a5cbd894b937d8b32ca" contextRef="c20210101to20211231" format="ixt:datemonthdayyearen">December 31, 2021</ix:nonNumeric></div>

    <div>&#160;</div>

    <div>
      <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;">


  <tr style="vertical-align: top;">

    <td style="vertical-align: top; width: 27pt;">
              <div style="text-align: left; font-weight: bold;"><ix:nonNumeric name="dei:DocumentTransitionReport" id="Fact_c52609c275f0484fb1f7a12ef7849a36" contextRef="c20210101to20211231" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric><br />
              </div>
            </td>

    <td style="vertical-align: top; width: auto;">
              <div style="text-align: left; font-weight: bold;">TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</div>
            </td>

  </tr>


</table>
    </div>

    <div>&#160;</div>

    <div style="text-align: center;">For the transition period from<span style="text-decoration: underline;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span><span style="font-size: 8pt;">to<span style="text-decoration: underline;"> </span></span><span style="text-decoration: underline;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span></div>

    <div>&#160;</div>

    <div style="text-align: center;">Commission file number <ix:nonNumeric name="dei:EntityFileNumber" id="Fact_ed4fd6f9ae454b6b95068278c8545e12" contextRef="c20210101to20211231">001-39043</ix:nonNumeric></div>

    <div>&#160;</div>

    <div style="text-align: center; font-size: 24pt; font-weight: bold;"><ix:nonNumeric name="dei:EntityRegistrantName" id="Fact_91e396c48bbd44939ef4ca9c787ef8b4" contextRef="c20210101to20211231">BROADWAY FINANCIAL CORPORATION</ix:nonNumeric><br />
    </div>

    <div style="text-align: center;">(Exact name of registrant as specified in its charter)</div>

    <div><br />
    </div>

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  <tr>

    <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;"><ix:nonNumeric name="dei:EntityIncorporationStateCountryCode" id="Fact_245c26c6aa014dac880920270d7c556c" contextRef="c20210101to20211231" format="ixt-sec:stateprovnameen">Delaware</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 2%; vertical-align: top; text-align: center;">&#160;</td>

    <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;"><ix:nonNumeric name="dei:EntityTaxIdentificationNumber" id="Fact_20693cf578fb4b7dad18777f297e7a26" contextRef="c20210101to20211231">95-4547287</ix:nonNumeric><br />
            </div>
          </td>

  </tr>

  <tr>

    <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center;">(State or other jurisdiction of incorporation or organization)</div>
          </td>

    <td style="width: 2%; vertical-align: top; text-align: center;">&#160;</td>

    <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center;">(I.R.S. Employer Identification No.)</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressAddressLine1" id="Fact_1e8427b2438647d7b3b72a97d97c7964" contextRef="c20210101to20211231">4601 Wilshire Boulevard</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressAddressLine2" id="Fact_81406dce9efd4d1aaac6d3708b726b08" contextRef="c20210101to20211231">Suite 150</ix:nonNumeric> </div>
            <div style="text-align: center; font-weight: bold;"><ix:nonNumeric name="dei:EntityAddressCityOrTown" id="Fact_d013101a9f124f958e548c1d26955f5b" contextRef="c20210101to20211231">Los Angeles</ix:nonNumeric>, <ix:nonNumeric name="dei:EntityAddressStateOrProvince" id="Fact_31f5fa2e70944996bf7729715894a6b9" contextRef="c20210101to20211231" format="ixt-sec:stateprovnameen">California</ix:nonNumeric></div>
          </td>

    <td style="width: 2%; vertical-align: top; text-align: center;">&#160;</td>

    <td style="width: 49%; vertical-align: bottom; text-align: center;">
            <div><br />
              <ix:nonNumeric name="dei:EntityAddressPostalZipCode" id="Fact_03df3ce9b82e409f955e40cc4822f2fd" contextRef="c20210101to20211231">90010</ix:nonNumeric> </div>
          </td>

  </tr>

  <tr>

    <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center;">(Address of principal executive offices)</div>
          </td>

    <td style="width: 2%; vertical-align: top; text-align: center;">&#160;</td>

    <td style="width: 49%; vertical-align: top;">
            <div style="text-align: center;">(Zip Code)</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <div style="text-align: center; font-weight: bold;">(<ix:nonNumeric name="dei:CityAreaCode" id="Fact_eeff269d00314f988ffb0b308757c382" contextRef="c20210101to20211231">323</ix:nonNumeric>) <ix:nonNumeric name="dei:LocalPhoneNumber" id="Fact_735114c403864e9aba6a96d8f0aaf56c" contextRef="c20210101to20211231">634-1700</ix:nonNumeric></div>

    <div style="text-align: center;">(Registrant&#8217;s Telephone Number, Including Area Code)</div>

    <div style="text-align: center;"> <br />
    </div>

    <div style="text-align: center;">Securities registered under Section 12(b) of the Act:</div>

    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman',Times,serif;"><span style="text-decoration: underline;"><span style="font-family: 'Times New Roman';">Title of each class:</span></span></div>
          </td>

    <td style="width: 34%; vertical-align: top;">
            <div style="text-align: center; font-family: 'Times New Roman',Times,serif;"><span style="text-decoration: underline;"><span style="font-family: 'Times New Roman';">Trading Symbol</span></span></div>
          </td>

    <td style="width: 33.34%; vertical-align: top;">
            <div style="text-align: center;"><span style="text-decoration: underline;">Name of each exchange on which registered:</span></div>
          </td>

  </tr>

  <tr>

    <td style="width: 33.33%; vertical-align: top;">
            <div style="text-align: center;"><ix:nonNumeric name="dei:Security12bTitle" id="Fact_bd67f301974147a8965ad9550e012158" contextRef="c20210101to20211231">Common Stock, par value $0.01 per share (including attached preferred stock purchase rights)</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 34%; vertical-align: top;">
            <div style="text-align: center;"><ix:nonNumeric name="dei:TradingSymbol" id="Fact_d6a68b274a92433f81363f3024f8e8e8" contextRef="c20210101to20211231">BYFC</ix:nonNumeric><br />
            </div>
          </td>

    <td style="width: 33.34%; vertical-align: top;">
            <div style="text-align: center;"><span style="-sec-ix-hidden:Fact_939fda9f2bbf41b281e045d3b40be6b5">Nasdaq Capital Market</span><br />
            </div>
            <div>&#160;</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <div style="text-align: center;">Securities registered pursuant to Section 12(g) of the Act: None</div>

    <div><br />
    </div>

    <div>Indicate by check mark if the registrant is a well&#8209;known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes&#160;&#9744; <ix:nonNumeric name="dei:EntityWellKnownSeasonedIssuer" id="Fact_40b38c5f59a540828f4925816fb7b4a8" contextRef="c20210101to20211231">No</ix:nonNumeric> &#9746;</div>

    <div>&#160;</div>

    <div>Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes&#160;&#9744; <ix:nonNumeric name="dei:EntityVoluntaryFilers" id="Fact_5b4ac6e5011a458bab307b4a0a13d006" contextRef="c20210101to20211231">No</ix:nonNumeric> &#9746;</div>

    <div>&#160;</div>

    <div>Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required
      to file such reports), and (2) has been subject to such filing requirements for the past 90 days. <ix:nonNumeric name="dei:EntityCurrentReportingStatus" id="Fact_167ab8f1128a40edac0db4276011d484" contextRef="c20210101to20211231">Yes</ix:nonNumeric> &#9746; No &#9744;</div>

    <div><br />
    </div>

    <div>Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S&#8209;T during the preceding 12 months (or for such shorter period that the registrant
      was required to submit such files). <ix:nonNumeric name="dei:EntityInteractiveDataCurrent" id="Fact_149fd5d182794aed8d0fe3f52d2d9ab4" contextRef="c20210101to20211231">Yes</ix:nonNumeric> &#9746; No &#9744;</div>

    <div>&#160;</div>

    <div>Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non&#8209;accelerated, a smaller reporting company, or an emerging growth company. See the definition of &#8220;large accelerated filer,&#8221; &#8220;accelerated filer,&#8221;
      &#8220;smaller reporting company,&#8221; and &#8220;emerging growth company&#8221; in Rule 12b&#8209;2 of the Exchange Act.</div>

    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="width: 5%; vertical-align: top;">&#160;</td>

    <td style="width: 45%; vertical-align: top;">
            <div>Large accelerated filer &#9744;</div>
          </td>

    <td style="width: 49.58%; vertical-align: top;">
            <div>Accelerated filer &#9744;</div>
          </td>

  </tr>

  <tr>

    <td style="width: 5%; vertical-align: top;">&#160;</td>

    <td style="width: 45%; vertical-align: top;">&#160;</td>

    <td style="width: 49.58%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 5%; vertical-align: top;">&#160;</td>

    <td style="width: 45%; vertical-align: top;">
            <div><ix:nonNumeric name="dei:EntityFilerCategory" id="Fact_d99fb90363e341e1a8c7d141608d4008" contextRef="c20210101to20211231" format="ixt-sec:entityfilercategoryen">Non-accelerated filer</ix:nonNumeric> &#9746;</div>
          </td>

    <td style="width: 49.58%; vertical-align: top;">
            <div>Smaller reporting company <ix:nonNumeric name="dei:EntitySmallBusiness" id="Fact_1ad4484960d14fe4bd4ef175f0a8fd98" contextRef="c20210101to20211231" format="ixt-sec:boolballotbox">&#x2612;</ix:nonNumeric></div>
          </td>

  </tr>

  <tr>

    <td style="width: 5%; vertical-align: top;">&#160;</td>

    <td style="width: 45%; vertical-align: top;">&#160;</td>

    <td style="width: 49.58%; vertical-align: top;">
            <div>Emerging growth company <ix:nonNumeric name="dei:EntityEmergingGrowthCompany" id="Fact_29306fd404974f2680dae150732eb98c" contextRef="c20210101to20211231" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric></div>
          </td>

  </tr>


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

    <div>If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange
      Act. &#9744;</div>

    <div>&#160;</div>

    <div>Indicate by check mark whether the registrant has filed a report on and attestation to its management&#8217;s assessment of the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C.
      7262(b)) by the registered public accounting firm that prepared or issued its audit report. <ix:nonNumeric name="dei:IcfrAuditorAttestationFlag" id="Fact_d4ffe2a4ae5446808044f3ddf8526be2" contextRef="c20210101to20211231" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric></div>

    <div>&#160;</div>

    <div>Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b&#8209;2 of the Exchange Act). Yes <ix:nonNumeric name="dei:EntityShellCompany" id="Fact_c819e6e734334a93b6487dce65eb66fb" contextRef="c20210101to20211231" format="ixt-sec:boolballotbox">&#x2610;</ix:nonNumeric> No &#9746;</div>

    <div><br />
    </div>

    <div>State the aggregate market value of the voting and non&#8209;voting common equity held by non&#8209;affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the
      last business day of the registrant&#8217;s most recently completed second fiscal quarter: $<ix:nonFraction name="dei:EntityPublicFloat" id="Fact_c7c83d9d031f411d8ebaee14aafc1139" contextRef="c20210630" unitRef="U001" decimals="0" scale="0" format="ixt:numdotdecimal">54,555,000</ix:nonFraction>.</div>

    <div>&#160;</div>

    <div>Indicate the number of shares outstanding of each of the registrant&#8217;s classes of common stock, as of the latest practicable date: <span style="color: rgb(0, 0, 0);">As of March 31, 2022, <ix:nonFraction name="dei:EntityCommonStockSharesOutstanding" id="Fact_a802d58f58064f8e9d5e72a425aabac8" contextRef="c20220331_StatementClassOfStockAxis_CommonClassAMember" unitRef="U002" decimals="INF" scale="0" format="ixt:numdotdecimal">45,788,946</ix:nonFraction> shares of the Registrant&#8217;s Class A voting common stock, <ix:nonFraction name="dei:EntityCommonStockSharesOutstanding" id="Fact_8c579f83aaa740b5a104ba369ab3d57d" contextRef="c20220331_StatementClassOfStockAxis_CommonClassBMember" unitRef="U002" decimals="INF" scale="0" format="ixt:numdotdecimal">11,404,618</ix:nonFraction>
        shares of the Registrant&#8217;s Class B non-voting common stock and <ix:nonFraction name="dei:EntityCommonStockSharesOutstanding" id="Fact_1d36357bfe6548af8e6ddfcb70ddd37f" contextRef="c20220331_StatementClassOfStockAxis_CommonClassCMember" unitRef="U002" decimals="INF" scale="0" format="ixt:numdotdecimal">15,768,172</ix:nonFraction> shares of the Registrant&#8217;s Class C non&#8209;voting common stock
        were outstanding.</span></div>

    <div style="margin-right: 5.9pt; margin-left: 6.75pt;"><br />
    </div>

    <div style="text-align: center; font-weight: bold;">DOCUMENTS INCORPORATED BY REFERENCE</div>

    <div>None.</div>

    <div>
      <hr style="border: none; border-bottom: 4px solid black; border-top: 1px solid black; height: 10px; color: #ffffff; background-color: #ffffff; text-align: center; margin-left: auto; margin-right: auto;" /> </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">2</span></div>

      <div style="page-break-after:always;" class="DSPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

    </div>

    <!--PROfilePageNumberReset%Num%3%%%-->
    <div style="text-align: center; font-weight: bold;">EXPLANATORY&#160; NOTE</div>

    <div>&#160;</div>

    <div style="color: rgb(0, 0, 0); font-style: italic;">
      <div style="text-align: left; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; font-style: italic;">This amendment is being filed by Broadway Financial Corporation (the &#8220;Company&#8221;) to provide the information
          required by Part&#160;III of Form&#160;10-K because the Company's proxy statement for the 2022 Annual Meeting of Stockholders will not be filed within 120&#160;days after the end of the Company's 2021 fiscal year. Unless otherwise expressly stated herein, this
          amendment does not reflect any events occurring after the filing of the Company's original Annual Report on Form&#160;10-K for the year ended December&#160;31, 2021.</div>

    </div>

    <div>&#160;</div>

    <div style="text-align: center; font-weight: bold;">TABLE OF CONTENTS<a id="TABLEOFCONTENTS"><!--Anchor--></a></div>

    <div style="text-align: center; font-weight: bold;"> <br />
    </div>

    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">


  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">
            <div style="font-weight: bold;">PART III</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">
            <div style="font-weight: bold;">Item 10.</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM10.">Directors, Executive Officers and Corporate Governance</a></div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;"> 4<br />
          </td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">
            <div style="font-weight: bold;">Item 11.</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM11.">Executive Compensation</a></div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;"> 9<br />
          </td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">
            <div style="font-weight: bold;">Item 12.</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM12.">Securities Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters</a></div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;"> 16<br />
          </td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">
            <div style="font-weight: bold;">Item 13.</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM13.">Certain Relationships and Related Transactions, and Director Independence</a></div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;"> 17<br />
          </td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">
            <div style="font-weight: bold;">Item 14.</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM14.">Principal Accountant Fees and Services</a></div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;"> 18<br />
          </td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">
            <div style="font-weight: bold;">PART IV</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;">19<br />
          </td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">
            <div style="font-weight: bold;">Item 15.</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">
            <div style="font-weight: bold;"><a href="#ITEM15.">Exhibits and Financial Statement Schedules</a></div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;"> 19<br />
          </td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15.48%; vertical-align: top;">
            <div style="font-weight: bold;">Signatures</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 67%; vertical-align: top;">&#160;</td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 15%; vertical-align: top;">22<br />
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">3</span></div>

      <div style="page-break-after:always;" class="DSPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

      <div style="width: 100%;" class="DSPFPageHeader">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div style="text-align: center; font-weight: bold;">PART III</div>

    <div style="text-align: center; font-weight: bold;"> <br />
    </div>

    <a id="ITEM10."><!--Anchor--></a>
<table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 10.</td>

    <td style="width: auto; vertical-align: top;">
            <div style="font-weight: bold;">DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE&#160; GOVERNANCE</div>
          </td>

  </tr>


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

    <div>The Company&#8217;s certificate of incorporation provides that the board of directors of the Company (the &#8220;Board&#8221;) shall be divided into three classes of directors, with the term of one class of directors to expire each year. The class whose terms
      expire in 2022, currently consisting of Mr. Robert C. Davidson, Jr. and Mr. Dutch C. Ross III, is to be elected at the Company&#8217;s 2022 Annual Meeting of Shareholders.&#160; The membership of the Board and the membership of the board of directors of the
      Company&#8217;s wholly-owned banking subsidiary, City First Bank, National Association (the &#8220;Bank&#8221;) are identical.</div>

    <div>&#160;</div>

    <div style="font-weight: bold;">Information Concerning Directors</div>

    <div><br />
    </div>

    <div>The following table sets forth the names and information regarding the persons who are currently members of the Board.</div>

    <div>&#160;</div>

    <table cellspacing="0" cellpadding="0" border="0" class="cfttable" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">


  <tr>

    <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); width: 32%;">
            <div>&#160;</div>
            <div>Name</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); white-space: nowrap;">
            <div style="text-align: center; font-weight: bold;">Age at</div>
            <div style="text-align: center; font-weight: bold;">March 31, 2022</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>

    <td colspan="3" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); text-align: center;" rowspan="1">
            <div style="font-weight: bold;">Director </div>
            <div style="font-weight: bold;">Since</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">
            <div style="text-align: center; font-weight: bold;">Current </div>
            <div style="text-align: center; font-weight: bold;">Term Expires</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); width: 32%;">
            <div style="text-align: center; font-weight: bold;">Positions Currently Held with</div>
            <div style="text-align: center; font-weight: bold;">the Company and the Bank</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 32%;">
            <div>DIRECTORS:</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 4%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top; text-align: center;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" style="vertical-align: top; width: 32%;">&#160;&#160;&#160;&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 32%; background-color: #CCEEFF;">
            <div style="margin-left: 9pt;">Robert C. Davidson, Jr.</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="text-align: center;">75</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2003</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 4%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="text-align: center;">2022</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" style="vertical-align: top; width: 32%; background-color: #CCEEFF;">
            <div>Director</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 32%;">
            <div style="margin-left: 9pt;">Dutch C. Ross III</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="text-align: center;">75</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div style="text-align: right;">2003</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 4%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="text-align: center;">2022</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" style="vertical-align: top; width: 32%;">
            <div>Director</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 32%; background-color: #CCEEFF;">
            <div style="margin-left: 9pt;">Brian E. Argrett</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="text-align: center;">58</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2011</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 4%; background-color: rgb(204, 238, 255); white-space: nowrap;">
            <div>*</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="text-align: center;">2023</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" style="vertical-align: top; width: 32%; background-color: #CCEEFF;">
            <div>Director, Vice Chair, President and Chief Executive Officer</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 32%;">
            <div style="margin-left: 9pt;">Mary Ann Donovan</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="text-align: center;">57</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div style="text-align: right;">2020</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 4%; white-space: nowrap;">
            <div>*</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="text-align: center;">2023</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" style="vertical-align: top; width: 32%;">
            <div>Director</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 32%; background-color: #CCEEFF;">
            <div style="margin-left: 9pt;">William A. Longbrake</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="text-align: center;">79</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2011</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 4%; background-color: rgb(204, 238, 255); white-space: nowrap;">
            <div>*</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="text-align: center;">2023</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" style="vertical-align: top; width: 32%; background-color: #CCEEFF;">
            <div>Director</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 32%;">
            <div style="margin-left: 9pt;">Wayne-Kent A. Bradshaw</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="text-align: center;">75</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div style="text-align: right;">2012</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 4%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="text-align: center;">2024</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" style="vertical-align: top; width: 32%;">
            <div>Chairman of the Board</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 32%; background-color: #CCEEFF;">
            <div style="margin-left: 9pt;">Marie C. Johns</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="text-align: center;">70</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2014</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 4%; background-color: rgb(204, 238, 255); white-space: nowrap;">
            <div>*</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="text-align: center;">2024</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" style="vertical-align: top; width: 32%; background-color: #CCEEFF;">
            <div>Lead Independent Director</div>
          </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 32%;">
            <div style="margin-left: 9pt;">David J. McGrady</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="text-align: center;">66</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 6%;">
            <div style="text-align: right;">1997</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 4%; white-space: nowrap;">
            <div>*</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="text-align: center;">2024</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" style="vertical-align: top; width: 32%;">
            <div>Director</div>
          </td>

  </tr>


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

    <div>* Including service as a director of CFBanc Corporation (&#8220;CFBanc&#8221;) prior to its merger with and into the Company on April 1, 2021 (the &#8220;Merger&#8221;).</div>

    <div><br />
    </div>

    <div>The following is a brief description of the business experience of the directors and their respective directorships, if any, with other public companies that are subject to the reporting requirements of the Securities Exchange Act of 1934, as
      amended (the &#8220;Exchange Act&#8221;). Also set forth below for each director is a description of the specific experience, qualifications, attributes or skills that led to the Board&#8217;s conclusion that such person should be nominated to serve as a director of
      the Company and the Bank.</div>

    <div>&#160;</div>

    <div><span style="text-decoration: underline;">Directors</span></div>

    <div>&#160;</div>

    <div>
      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Robert C. Davidson, Jr.</span><span style="font-family: 'Times New Roman';"> served,
          until his retirement in 2007, in the position of Chairman and Chief Executive Officer of Surface Protection Industries, a paint and specialty coatings manufacturing company he founded in 1978, that became one of the leading African American-owned
          manufacturing companies in the United States and the largest in California. From 1972 to 1974, he co-founded and served as Vice President of Urban National Corporation, a private venture capital corporation that was focused specifically on
          investing in minority-controlled businesses. Mr. Davidson currently also serves on the boards of directors of Smithsonian American Art Museum (Chairman-Elect), Morehouse College (Chairman Emeritus), Art Center College of Design (Chairman
          Emeritus), Cedars-Sinai Medical Center (Lifetime Member) and the University of Chicago Graduate School of Business Advisory Council.</span></div>

      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman';"> <br />
        </span></div>

    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">4</span></div>

      <div style="page-break-after:always;" class="DSPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

      <div style="width: 100%;" class="DSPFPageHeader">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div>
      <div style="color: rgb(0, 0, 0);">Mr. Davidson has extensive entrepreneurial experience in developing and managing small and medium-sized businesses. He has hands-on experience in marketing and sales, human resources and strategic planning and
        implementation. He has a long history with, and extensive knowledge of, the Company and of the markets and communities in which the Company operates. We believe that this history, knowledge and overall experience qualify him to serve on the Board.</div>

    </div>

    <div>&#160;</div>

    <div>
      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Dutch C. Ross III</span><span style="font-family: 'Times New Roman';"> is the former
          President and Chief Executive Officer of Economic Resources Corporation (&#8220;ERC&#8221;), a non-profit corporation with a mission of promoting economic development and job creation in underserved communities. Mr. Ross served in that capacity from 1996
          until his retirement in August 2020. Prior to joining ERC, Mr. Ross held a variety of managerial, financial and planning positions in the corporate, divisional, and subsidiary operations of Atlantic Richfield Company (&#8220;ARCO&#8221;) from January 1975 to
          December 1995. From 1971 to 1975, Mr. Ross was employed in various financial analysis positions with The Wickes Corporation. Mr. Ross has been active in a number of community organizations in the Los Angeles area devoted to building stronger
          communities and has served on the board of directors of several such organizations, including the Downtown Long Beach YMCA, where he served as Chairman&#894; Genesis L.A. Economic Growth Corporation, where he currently serves on the Audit and Finance
          Committees&#894; and The Valley Economic Development Center, where he formerly served as a board member, and Chairman of the Finance Committee. He has served on the Board since 2016. </span>Mr. Ross received his B.S. degree in Industrial Economics
        and his Masters in Industrial Management from Purdue University.</div>

      <div><br />
      </div>

      <div style="color: rgb(0, 0, 0);">Mr. Ross is a financial executive with over 45 years of managerial experience with Fortune 500 companies and non-profit economic development organizations and has extensive knowledge of the Company. Mr. Ross&#8217;
        knowledge and experience qualifies him to serve on the Board.</div>

    </div>

    <div><br />
    </div>

    <div>
      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Brian E. Argrett</span><span style="font-family: 'Times New Roman';"> was Director,
          President and Chief Executive Officer of CFBanc and its wholly owned banking subsidiary from 2011 until the completion of the Merger, at which time he became Vice Chair, President and Chief Executive Officer of both the Company and the Bank.
          Formerly, Mr. Argrett was founder and managing partner of both Fulcrum Capital Group, an investment manager, and Fulcrum Capital Partners, L.P., an institutionally-backed private equity limited partnership. He also served as President, Chief
          Executive Officer, and director of Fulcrum Venture Capital Corporation, a federally licensed and regulated Small Business Investment Company. Prior to joining the Fulcrum entities, Mr. Argrett was an attorney with the real estate law firm of
          Pircher, Nichols &amp; Meeks LLP in Los Angeles, California. Mr. Argrett has served as chair, been a member, or held observer rights on numerous Fulcrum portfolio company boards, as well as having served on the boards of directors of other
          financial industry companies. Mr. Argrett was a presidential appointee to the Community Development Advisory Board of the U.S. Treasury Department under the Obama administration. Mr. Argrett has held leadership positions at the National
          Association of Investment Companies and the National Conference for Community and Justice and has been an elder at the Knox Presbyterian Church. Mr. Argrett has served as Vice Chairman of the Board of Directors of the Federal Home Loan Bank of
          Atlanta, as well as the Chair of its Enterprise Risk and Operations Committee, and as a member of its Finance Committee and its Audit and Compliance Committee. Mr. Argrett serves as Chairman of the board of directors of City First Enterprises,
          which is a bank holding company of the Company. Mr. Argrett is the past Chairman and continues to serve on the board of directors of the Community Development Bankers Association, serves as a member of the Global Alliance on Banking on Values,
          and is a member of the Steering Committee of the Expanding Black Business Credit Initiative. Mr. Argrett is also a member of The Economic Club of Washington, D.C., the Federal City Council, and the Leadership Greater Washington Class of 2014. In
          addition, Mr. Argrett is a 2014 recipient of the Washington Business Journal Minority Business Leader Award. Mr. Argrett holds J.D. and M.B.A. degrees from the University of California, Berkeley, and a bachelor&#8217;s degree from the McIntire School
          of Commerce at the University of Virginia. Prior to the completion of the Merger, Mr. Argrett was designated by CFBanc, and subsequently appointed by the Company, to serve as a director and Vice Chair of the combined Company.</span></div>

      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman';"> <br />
        </span></div>

    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">5</span></div>

      <div style="page-break-after:always;" class="DSPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

      <div style="width: 100%;" class="DSPFPageHeader">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div>
      <div style="color: rgb(0, 0, 0);">Mr. Argrett&#8217;s extensive experience in the financial services and banking industries, public and private company board experience, knowledge and experience in the Washington D.C. and Southern California markets, and
        knowledge of the Bank&#8217;s business, history organization, mission, and executive management qualify him to serve as a member of the Board.</div>

    </div>

    <div>&#160;</div>

    <div>
      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Mary Ann Donovan</span><span style="font-family: 'Times New Roman';"> is the Chief
          Operating Officer of Local Initiatives Support Corporation. Most recently, she served as Director of the United States Department of the Treasury&#8217;s Community Development Financial Institution Fund (the &#8220;CDFI Fund&#8221;). Ms. Donovan&#8217;s prior positions
          include CEO of CoMetrics, Inc., a social enterprise that provides affordable business intelligence tools to small businesses and nonprofit entities&#894; Senior Policy Advisor to the White House from 2012-2013, where Ms. Donovan worked collaboratively
          with the Office of Social Innovation and the Council on Environmental Quality; and Chief Operating Officer of Capital Impact Partners, a certified Community Development Financial Institution (&#8220;CDFI&#8221;). Ms. Donovan has been a thought leader and a
          board member of many of the highest performing organizations in the community development sector. Ms. Donovan is a current Fellow at the Beeck Center for Social Impact + Innovation at Georgetown University. She has been a Senior Fellow at the
          Center for Community Investment. She has published papers and articles for the National Academy for Public Administration, the Federal Reserve Bank of San Francisco, the Federal Reserve Bank of Boston, Forbes, the Skoll World Forum on Social
          Entrepreneurship, and the Milken Review. Ms. Donvan is a current director of City First Enterprises, which is a bank holding company of the Company.&#160; Ms. Donovan has a B.A. degree in Economics from Allegheny College and an M.B.A. degree in
          Finance from the University of Maryland. Prior to the completion of the Merger, Ms. Donovan was designated by CFBanc, and subsequently appointed by the Company to serve as director in the combined Company.</span></div>

      <div><br />
      </div>

      <div style="color: rgb(0, 0, 0);">Ms. Donovan&#8217;s operational experience, federal government public service, and community development knowledge and expertise, as well has her experience with corporate governance, marketing, and business development
        matters, all qualify her to serve on the Board.</div>

      <div><br />
      </div>

    </div>

    <div>
      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">William A. Longbrake</span><span style="font-family: 'Times New Roman';"> is an
          Executive in Residence at the Robert H. Smith School of Business at the University of Maryland where he participates in the Center for Financial Policy and writes a monthly economic newsletter for &#8220;Brain Trust.&#8221; Dr. Longbrake is active in
          numerous academic, business, and community service organizations, particularly those involving issues surrounding affordable housing and education. He is a current director of City First Enterprises, which is a bank holding company of the
          Company. Dr. Longbrake is a former Chairman of the Board of Trustees of the College of Wooster, a residential four-year liberal arts college, and a former Chairman of the Board of HOPE LoanPort, a not-for-profit organization that provided a data
          management and communications web portal to housing counselors and home mortgage servicers. Dr. Longbrake is a director of the Washington State Investment Board, a director of the Boeing Employees Credit Union, President of the Seattle First
          Foundation, and a member of the Mortgage Markets Committee of the American Bankers Association. Dr. Longbrake was a Director of First Financial Northwest, a community bank located in Renton, Washington, from 2008-2010&#894; a Director of the Federal
          Home Loan Bank of Seattle from 2002-2010&#894; and a Director of the Washington Financial League from 2002-2010. He taught courses in business administration and finance at the University of Maryland and Seattle University. In 2007 Dr. Longbrake
          received the Distinguished Alumnus of the Year award from the Robert H. Smith School of Business of the University of Maryland. Dr. Longbrake began his career in Washington, D.C. where he served in various government positions, including Acting
          Senior Deputy Comptroller for Policy and Senior Deputy Comptroller for Resource Management for the Office of the Comptroller of the Currency and financial economist, chief financial officer, and deputy to the Chairman of the FDIC. He earned his
          B.A. degree in Economics from the College of Wooster and earned his master&#8217;s degree in Monetary Economics and his M.B.A. degree from the University of Wisconsin. He received his Ph.D. degree in finance from the University of Maryland. Prior to
          the completion of the Merger, Dr. Longbrake was designated by CFBanc, and subsequently appointed by the Company, to serve as a director in the combined Company.</span></div>

      <div><br />
      </div>

      <div style="color: rgb(0, 0, 0);">Dr. Longbrake has extensive experience in finance and investments, macroeconomics and monetary policy, risk management, housing, and public policy. His extensive experience in accounting, banking, community
        development and corporate governance experience, along with his regulatory, finance, and capital markets experience with both public and private companies qualify him to serve as a member of the Board.</div>

      <div style="color: rgb(0, 0, 0);"> <br />
      </div>

    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">6</span></div>

      <div style="page-break-after:always;" class="DSPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

      <div style="width: 100%;" class="DSPFPageHeader">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div>
      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Wayne-Kent A. Bradshaw</span><span style="font-family: 'Times New Roman';"> was
          President and Chief Executive Officer of the Company and Broadway Federal Bank, f.s.b. (&#8220;Broadway Federal&#8221;)&#160; until the Merger, whereupon he became Chairman of the Board and its resulting subsidiary. Mr. Bradshaw joined the Company in February of
          2009 as President and Chief Operating Officer, and was appointed Chief Executive Officer in January 2012. He was elected to serve as a director of both the Company and&#160; Broadway Federal in September 2012. Prior to joining the Company, Mr.
          Bradshaw was the Regional President for Community and External Affairs of Washington Mutual Bank from 2003 to 2009. He was President and Chief Executive Officer of the Los Angeles-based Family Savings Bank from1989 until 2002 and Chief Deputy
          Superintendent for the California State Banking Department from 1981 to 1983. Mr. Bradshaw has served on many community and educational boards. He most recently served on the boards of directors of California State University Northridge,
          Northridge Hospital Medical Center, and California Community Reinvestment Corporation. He currently serves on the boards of the Federal Reserve Bank of San Francisco - Los Angeles Branch, Western Bankers Association and Louisville High School.</span></div>

      <div><br />
      </div>

      <div style="color: rgb(0, 0, 0);">Mr. Bradshaw has over 51 years of experience in financial management and banking. He has the proven ability to plan and implement programs that optimize opportunities to accelerate profitable growth in highly
        competitive environments. Mr. Bradshaw has extensive experience in community banking, commercial banking and as a bank regulator, and his knowledge and experience qualify him to serve on the Board and as its Chairman.</div>

    </div>

    <div><br />
    </div>

    <div>
      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">Marie C. Johns</span><span style="font-family: 'Times New Roman';"> has over 30 years&#8217;
          experience as a leader in business, civic and government service. Ms. Johns focuses on community service in the areas of education and economic development. She served as President of Verizon Washington and was nominated by President Barack Obama
          to serve as Deputy Administrator of the U.S. Small Business Administration, (&#8220;SBA&#8221;). In 2011, under Ms. Johns&#8217; leadership and initiatives, the SBA lent more than $30 billion to more than 60,000 small businesses, a record in the history of the
          SBA. Over 10 years ago, Ms. Johns founded L&amp;L Consulting, LLC (now PPC-Leftwich), a business development, organizational effectiveness and public policy consulting practice, which is based in Washington, D.C. Ms. Johns has served on several
          boards of directors, including the Federal City Council, the Economic Club of Washington, Washington, D.C. Chamber of Commerce, WLR Foods (a poultry producer), Kaiser Permanente of the Mid-Atlantic Region, Hager Sharp (a communications and
          marketing firm), Document Systems Inc. (a document imaging and storage firm) and Harvest Bank of Maryland. Ms. Johns is a Trustee of Howard University where she chairs the Student Life Committee and serves as vice chair of the Governance
          Committee. Ms. Johns is a member of the Greater Washington, D.C. Business Hall of Fame, one of the Greater Washington Board of Trade&#8217;s &#8220;Leaders of the Year&#8221; and the recipient of over 100 awards from different organizations for her community
          service. Ms. Johns received her B.S. and M.P.A. degrees from the O&#8217;Neill School of Public and Environmental Affairs at Indiana University where she currently serves as a member of the Dean&#8217;s Council and she formerly served as a Board member for
          the Tobias Center for Leadership Excellence. Prior to the completion of the Merger, Ms. Johns was designated by CFBanc, and subsequently appointed by the Company, to serve as the lead independent director in the combined Company.</span></div>

      <div><br />
      </div>

      <div style="color: rgb(0, 0, 0);">Ms. Johns&#8217; community development leadership, her corporate governance experience on both public and private company boards, and her experience in business development, communications, and the Washington D.C. market
        qualify her to serve on the Board as our Lead Independent Director.</div>

    </div>

    <div>&#160;</div>

    <div>
      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman'; font-weight: bold; font-style: italic;">David J. McGrady</span><span style="font-family: 'Times New Roman';"> is a consultant
          specializing in community development issues and is a nationally recognized expert on the New Markets Tax Credit program. He has been a key advisor on 31 successful New Markets Tax Credit applications, with allocations totaling more than $1.7
          billion, and has assisted those recipients in developing and implementing capitalization and deployment plans in their respective markets. He also advises banks, investors, foundations, municipalities and CDFIs, on a range of issues, including
          corporate structure and governance, capitalization, market and risk assessment, product development, underwriting investments, portfolio management and tax credit programs. Mr. McGrady was Director of Commercial Programs for the Center for
          Community Self-Help in Durham, North Carolina. Under his leadership, the Center for Community Self-Help originated over 1,300 higher risk business loans totaling more than $80 million. He is also a director of City First Enterprises, which is a
          bank holding company of the Company, chair of City First Enterprises&#8217; Directors Loan Committee and a member of Calvert Impact Capital&#8217;s Investment Committee. Mr. McGrady received his bachelor&#8217;s degree from King&#8217;s College and law degree from
          Harvard. Prior to the completion of the Merger, Mr. McGrady was designated by CFBanc, and subsequently appointed by the Company, to serve as a director in the combined Company.</span></div>

      <div style="color: rgb(0, 0, 0); font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman';"> <br />
        </span></div>

    </div>

    <div>
      <div style="color: rgb(0, 0, 0);">Mr. McGrady&#8217;s legal expertise and experience in corporate governance and community development matters, as well as his background in finance and the real estate and tax credit industries, qualify him to serve as a
        member of the Board.</div>

      <div><br />
      </div>

    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">7</span></div>

      <div style="page-break-after:always;" class="DSPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

      <div style="width: 100%;" class="DSPFPageHeader">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div style="text-align: justify; font-weight: bold;">Executive Officers</div>

    <div>&#160;</div>

    <div>The following table sets forth information with respect to current executive officers of the Company and the Bank who are not directors. Except as noted, all reference to the Bank refer to City First Bank, National Association. Officers of the
      Company and the Bank serve at the discretion of, and are elected annually by, the respective Boards of Directors of the Company and the Bank.</div>

    <div>&#160;</div>

    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">


  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 12%; vertical-align: top;">
            <div style="font-weight: bold;">Name</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 7%; vertical-align: top;">
            <div style="font-weight: bold;">Age <sup>(1)</sup></div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 77%; vertical-align: top;">
            <div style="text-align: center; font-weight: bold;">Principal Occupation during the Past Five Years</div>
            <div>&#160;</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Brenda J. Battey</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>64</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 77%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Executive Vice President and Chief Financial Officer of the Company since June 2013 and the Bank<sup>(2)</sup>&#160;since April 2013. Senior Vice President and Senior Controller of Bank of Manhattan from September 2011 to June 2012. Senior Vice
              President and Controller of Community Bank from February 2010 to September 2010. Senior Vice President and Controller of First Federal Bank of California from 1997 to 2009.</div>
            <div>&#160;</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 12%; vertical-align: top;">
            <div>Ruth McCloud</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 7%; vertical-align: top;">
            <div>73</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 77%; vertical-align: top;">
            <div>Executive Vice President and Chief Operating Officer of the Company and Bank since April 2021. Previously Executive Vice President of the Company, and Executive Vice President and Chief Retail Banking Officer of the Bank<sup>(2)</sup><span style="font-weight: bold;">&#160;</span>since July 2014. Senior Vice President / Divisional Sales Manager of OneWest Bank from January of 2010 to June 2014.&#160; Senior Vice President / Sales Manager of First Federal Bank of California from January
              2004 to December 2009.</div>
            <div>&#160;</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255); white-space: nowrap;">
            <div>Shannan A. Herbert</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>43</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 77%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Executive Vice President and Chief Credit Officer of the Company since April 2021 and of the Bank since December 2018.&#160; Senior Vice President and Director of Loan Review at United Bank from January 2015 to December 2018. Vice President,
              Credit Officer and Credit Analyst Manager at United Bank from June 2010 to January 2015.</div>
            <div>&#160;</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 12%; vertical-align: top;">
            <div>Sonja S. Wells</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 7%; vertical-align: top;">
            <div>67</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

    <td style="width: 77%; vertical-align: top;">
            <div>Executive Vice President and Chief Lending Officer, Commercial Banking, of the Company and the Bank since April 2021. Previously Executive Vice President and Chief Lending Officer of the Bank since January of 2021. Senior Vice President
              and Interim Chief Lending Officer of the Bank from May 2020 to January 2021 and prior to that Senior Vice President and Relationship Manager of the Bank from July 2015. Senior Relationship Manager with M&amp;T Bank in Baltimore Maryland from
              June 2002 to July 2015.&#160; Small Business Relationship Sales Manager from May 1999 to 2002 at First Union National Bank (Wachovia/Wells Fargo) in Baltimore Maryland.</div>
            <div>&#160;</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 12%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Tom Nida</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 7%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>73</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 77%; vertical-align: top; background-color: rgb(204, 238, 255);">
            <div>Executive Vice President and Market Executive of the Company since April 2021, and of the Bank since January 2019. Senior Vice President and DC Regional Executive at John Marshall Bank from October 2017 to January 2019. Executive Vice
              President and Managing Director of Community Development and Non-Profit Banking as well as an Executive Vice President and DC Market President at United Bank from April 2004 to September 2016. Vice President &amp; Chair-DC Advisory Board of
              Eagle Bank from September 2003 to March 2004. Senior Vice President in Commercial Lending and served as the Bank&#8217;s first commercial lender at City First Bank from November 1999 to September 2003.</div>
            <div>&#160;</div>
          </td>

    <td colspan="1" style="width: 1%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

  </tr>


</table>
    <div><br />
    </div>

    <div>
      <hr style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto 0px 0px; height: 2px; width: 10%; color: #000000; text-align: left; margin-left: 0px; margin-right: auto;" /> </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 27pt; vertical-align: top;">(1)</td>

    <td style="width: auto; vertical-align: top;">
            <div>As of March 31, 2022.</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 28.25pt; vertical-align: top;">(2)</td>

    <td style="width: auto; vertical-align: top;">
            <div>Refers to Broadway Federal until April 1, 2021, the date on which Broadway Federal merged with and into the Bank, and to the Bank from and after that date.</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">8</span></div>

      <div style="page-break-after: always;" class="DSPFPageBreak">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" /></div>

      <div style="width: 100%;" class="DSPFPageHeader">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div>
      <a id="ITEM11."><!--Anchor--></a>
<table cellspacing="0" cellpadding="0" class="DSPFListTable" style="width: 100%; font-family: 'Times New Roman'; font-size: 10pt;">


  <tr style="vertical-align: top;">

    <td style="vertical-align: top; width: 54pt;">
              <div style="text-align: left; font-weight: bold;">ITEM 11. </div>
            </td>

    <td style="vertical-align: top;">
              <div style="text-align: left; font-weight: bold;">EXECUTIVE COMPENSATION</div>
            </td>

  </tr>


</table>
    </div>

    <div>&#160;</div>

    <div style="font-weight: bold;">Summary Compensation Table</div>

    <div><br />
    </div>

    <div>The Summary Compensation Table includes information concerning the compensation paid to or earned by our former Chief Executive Officer, our current Chief Executive Officer (&#8220;CEO&#8221;) and our two other most highly compensated executive officers. The
      Summary Compensation Table also includes our former Chief Lending Officer, Wholesale Lending, who retired as an executive officer on December 31, 2021. Each executive is referred to herein as a named executive officer (&#8220;NEO&#8221;).</div>

    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" border="0" class="cfttable" style="width: 100%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left; margin-left: auto; margin-right: auto;">


  <tr>

    <td colspan="1" style="vertical-align: middle; text-align: center; width: 22.2%;">
            <div>&#160;</div>
            <div>&#160;</div>
            <div style="font-weight: bold;">Name and Principal Position</div>
          </td>

    <td style="vertical-align: middle; text-align: center;" rowspan="1" colspan="2">
            <div>&#160;</div>
            <div>&#160;</div>
            <div style="font-weight: bold;">Year</div>
            &#160;</td>

    <td colspan="1" style="vertical-align: middle; text-align: center; width: 1.16%;">&#160;</td>

    <td colspan="2" style="vertical-align: middle; text-align: center;">
            <div style="font-weight: bold;">Salary</div>
          </td>

    <td colspan="1" style="text-align: center; vertical-align: middle; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td colspan="1" style="vertical-align: middle; text-align: center; width: 1.16%;">&#160;</td>

    <td colspan="2" style="vertical-align: middle; text-align: center;">
            <div style="font-weight: bold;">Stock</div>
            <div style="font-weight: bold;">Awards <sup>(1)</sup></div>
          </td>

    <td colspan="1" style="text-align: center; vertical-align: middle; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td colspan="1" style="vertical-align: middle; text-align: center; width: 1.16%;">&#160;</td>

    <td colspan="2" style="vertical-align: middle; text-align: center;">
            <div style="font-weight: bold;">Non-Equity Incentive Plan Compensation <sup>(2)</sup></div>
          </td>

    <td colspan="1" style="text-align: center; vertical-align: middle; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td colspan="1" style="vertical-align: middle; text-align: center; width: 1.16%;">&#160;</td>

    <td colspan="2" style="vertical-align: middle; text-align: center;">
            <div style="font-weight: bold;">All Other Compensation <sup>(3)</sup></div>
          </td>

    <td colspan="1" style="text-align: center; vertical-align: middle; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td colspan="1" style="vertical-align: middle; text-align: center; width: 1.16%;">&#160;</td>

    <td colspan="2" style="vertical-align: middle; text-align: center;">
            <div style="font-weight: bold;">Total ($)</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" colspan="1" style="vertical-align: top; padding-left: 9pt; width: 22.2%; background-color: rgb(204, 238, 255);">
            <div>Brian E. Argrett,</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 7.25%; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2021</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 4.92%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>390,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>200,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>160,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>32,165</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>782,165</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" colspan="1" style="vertical-align: top; padding-left: 9pt; width: 22.2%; background-color: rgb(204, 238, 255); white-space: nowrap;">
            <div style="margin-left: 9pt;">Chief Executive Officer <sup>(4)</sup></div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 7.25%; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;"><br />
            </div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 4.92%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div><br />
            </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div><br />
            </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div><br />
            </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%; background-color: rgb(204, 238, 255);">
            <div><br />
            </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);"> <br />
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%; background-color: rgb(204, 238, 255);">
            <div><br />
            </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);"> <br />
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div><br />
            </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div><br />
            </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" colspan="1" style="vertical-align: top; padding-left: 9pt; width: 22.2%;">
            <div>Wayne Kent A. Bradshaw</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 7.25%;">
            <div style="text-align: right;">2021</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 4.92%;" colspan="1"><sup>(4)</sup> <br />
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>114,253</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>219,370</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>333,623</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" colspan="1" style="vertical-align: top; padding-left: 9pt; width: 22.2%; white-space: nowrap;">
            <div style="margin-left: 9pt;">Former Chief Executive Officer<sup>(5)</sup></div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 7.25%;">
            <div style="text-align: right;">2020</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 4.92%;" colspan="1">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>448,050</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>54,375</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>286,510</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>73,265</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>862,200</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" colspan="1" style="vertical-align: top; padding-left: 9pt; width: 22.2%; background-color: rgb(204, 238, 255);">
            <div>Brenda J. Battey,</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 7.25%; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2021</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 4.92%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>247,231</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>61,808</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>64,407</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>373,446</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" colspan="1" style="vertical-align: top; padding-left: 9pt; width: 22.2%; background-color: rgb(204, 238, 255);">
            <div style="margin-left: 9pt;">Chief Financial Officer</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 7.25%; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2020</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 4.92%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>242,383</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>23,532</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>84,834</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>35,107</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>385,856</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" colspan="1" style="vertical-align: top; padding-left: 9pt; width: 22.2%;">
            <div>Norman Bellefeuille</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 7.25%;">
            <div style="text-align: right;">2021</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 4.92%;" colspan="1">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>260,595</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>70,917</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%;">
            <div>331,512</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" colspan="1" style="vertical-align: top; width: 22.2%;">
            <div style="margin-left: 18pt;">Former Chief Lending Officer, Wholesale Lending <sup>(6)</sup></div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 7.25%;">
            <div style="text-align: right;">2020</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 4.92%;" colspan="1">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td colspan="1" style="vertical-align: top; width: 1.16%; text-align: left;">
            <div>$</div>
          </td>

    <td colspan="1" style="vertical-align: top; text-align: right; width: 9.58%;">
            <div>255,485</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td colspan="1" style="vertical-align: top; width: 1.16%; text-align: left;">
            <div>$</div>
          </td>

    <td colspan="1" style="vertical-align: top; text-align: right; width: 9.58%;">
            <div>24,805</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td colspan="1" style="vertical-align: top; width: 1.25%; text-align: left;">
            <div>$</div>
          </td>

    <td colspan="1" style="vertical-align: top; text-align: right; width: 9.58%;">
            <div>89,420</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td colspan="1" style="vertical-align: top; width: 1.25%; text-align: left;">
            <div>$</div>
          </td>

    <td colspan="1" style="vertical-align: top; text-align: right; width: 9.58%;">
            <div>46,061</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%;">&#160;</td>

    <td colspan="1" style="vertical-align: top; width: 1.16%; text-align: left;">
            <div>$</div>
          </td>

    <td colspan="1" style="vertical-align: top; text-align: right; width: 9.58%;">
            <div>415,771</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" colspan="1" style="vertical-align: top; padding-left: 9pt; width: 22.2%; background-color: rgb(204, 238, 255);">
            <div>Ruth McCloud</div>
            <div style="margin-left: 9pt;">Chief Operating Officer</div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 7.25%; background-color: rgb(204, 238, 255);">
            <div style="text-align: right;">2021</div>
            <div style="text-align: right;">2020 </div>
          </td>

    <td valign="bottom" style="vertical-align: top; width: 4.92%; background-color: rgb(204, 238, 255);" colspan="1">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div>$</div>
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>210,656</div>
            <div>206,525 </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">$</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>-</div>
            <div>20,051 </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%; background-color: rgb(204, 238, 255);">
            <div>$</div>
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>52,700</div>
            <div>72,284 </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.25%; background-color: rgb(204, 238, 255);">
            <div>$</div>
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>47,595</div>
            <div>29,195 </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255);">
            <div>$</div>
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9.58%; background-color: rgb(204, 238, 255);">
            <div>310,952</div>
            <div>328,055 </div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1.16%; background-color: rgb(204, 238, 255); white-space: nowrap;">&#160;</td>

  </tr>


</table>
    <div><br />
    </div>

    <div>
      <hr style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto 0px 0px; height: 2px; width: 10%; color: #000000; text-align: left; margin-left: 0px; margin-right: auto;" /> </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
          </td>

    <td style="width: 27pt; vertical-align: top;">(1)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>This column reports the grant date fair value of stock granted during each year reported. The amounts reported in this column have been calculated in accordance with FASB ASC Topic 718.</div>
          </td>

  </tr>


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

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
          </td>

    <td style="width: 27pt; vertical-align: top;">(2)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>The amounts shown represent the cash incentive compensation awards earned by each NEO under the Bank&#8217;s Incentive Plan for Management (&#8220;Incentive Plan&#8221;), based on the objective criteria established by the Board at the beginning of each
              year. The Company&#8217;s achievement of such objective criteria is determined by the Board&#8217;s compensation and benefits committee (&#8220;Compensation Committee&#8221;). The Compensation Committee evaluates the performance results at the beginning of the
              following year and approves the amounts of bonuses to be paid.</div>
          </td>

  </tr>


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

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
          </td>

    <td style="width: 27pt; vertical-align: top;">(3)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Includes amounts paid by the Company to the 401(k) account of the NEO and allocations under Broadway Federal&#8217;s Employee Stock Ownership Plan, and payouts of accrued vacation to Mr. Bradshaw, Ms. Battey, Mr. Bellefeuille, and Ms. McCloud in
              connection with consummation of the Merger. Also includes perquisites and other benefits consisting of automobile and telephone allowances, health benefits and life insurance premiums. The amount shown for Mr. Bradshaw includes country club
              dues and post-retirement severance payments, as provided for in his employment agreement.</div>
          </td>

  </tr>


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

    <td style="width: 27pt; vertical-align: top;">(4)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Mr. Argrett became the President and Chief Executive Officer of the Company and the Bank on April 1, 2021, upon completion of the Merger. His compensation is shown for the last nine months of 2021 only since he was not an NEO of the
                Company until April 1, 2021.<br />
              </div>
            </td>

  </tr>


</table>
    </div>

    <div> <br />
    </div>

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    <td style="width: 9pt;"><br />
          </td>

    <td style="width: 27pt; vertical-align: top;">(5)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Represents $205,902 paid to Mr. Bradshaw during his tenure as CEO of Broadway Federal from January 1 to March 31, 2021, when he retired as an executive officer of the Company and $127,721 paid as severance payments, as provided for under
              his employment agreement.&#160; Compensation paid to Mr. Bradshaw for Board service following his retirement is set forth under &#8220;Director Compensation&#8221; below.</div>
          </td>

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

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    <td style="width: 9pt;"><br />
          </td>

    <td style="width: 27pt; vertical-align: top;">(6)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
            <div>Mr. Bellefeuille retired as an executive officer of the Company on December 31, 2021.</div>
          </td>

  </tr>


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

    <div><span style="text-decoration: underline;"></span></div>

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      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">9</span></div>

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        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div>
      <div style="font-weight: bold;"><span style="text-decoration: underline;">Employment Agreements</span></div>

      <div><br />
      </div>

      <div><span style="text-decoration: underline;">Brian Argrett</span></div>

    </div>

    <div> <br />
    </div>

    <div>
      <div style="text-align: left; font-family: 'Times New Roman',serif; font-size: 10pt;">
        <div style="text-align: left; font-family: 'Times New Roman',serif; font-size: 10pt;">The Company and Mr. Argrett, are parties to an employment agreement effective November 17, 2021 (the &#8220;Employment Agreement&#8221;), providing for Mr. Argrett&#8217;s
          continued service as the Company&#8217;s President and Chief Executive Officer and a member of the Board and the board of directors of the Bank.&#160; The Employment Agreement has a five-year term beginning on April&#160;1,&#160;2021, subject to annual one-year
          automatic extensions thereafter unless the Company or Mr. Argrett provides at least 90-days&#8217; prior written notice.&#160; Under the agreement, Mr. Argrett is entitled to a base salary of $520,000 per year for the 2021 calendar year, increasing to
          $550,000 effective January 1, 2022, which may increase but not decrease (other than in connection with an across-the-board reduction in salary applicable to other executive officers) in the Board&#8217;s discretion.&#160; For the 2021 calendar year, Mr.
          Argrett is entitled to a $160,000 bonus.&#160; For calendar year 2022 and thereafter, Mr. Argrett&#8217;s target bonus will equal 30% of his base salary. The bonus amount will be determined based on the degree of achievement of specified business plan
          objectives as evaluated annually by the Compensation Committee.&#160; No bonus will be paid if the degree of achievement of the business plan objectives is less than 80%. The bonus will range from 24% of base salary if the degree of achievement of the
          business plan objectives is 80% up to a maximum of 37.5% of base salary if the degree of achievement of the business plan objectives is 125% or more.</div>

      </div>

    </div>

    <div><br />
    </div>

    <div style="color: rgb(0, 0, 0);">For his service in 2021, Mr. Argrett received a grant of stock under the Company&#8217;s 2018 Long-Term Incentive Plan with a grant date value of $200,000.&#160; Beginning in calendar year 2022, Mr. Argrett will have annual
      opportunities to receive grants of restricted stock, with the grant date value determined by the Compensation Committee based on the degree of achievement of specified performance metrics determined by the Company. The target grant date value of such
      grants for each year will be 40% of base salary. No equity grants will be made if the degree of achievement of specified business plan objectives is less than 80%, and the grants will range in grant date value from 32% of base salary if the degree of
      achievement of the business plan objectives is 80% up to a maximum of 50% of base salary if the degree of achievement of the business plan objectives is 125% or more. All such awards will vest as to 33% on the first anniversary of grant, with the
      remainder vesting in equal monthly installments over the following 24 months, or in full in the event of Mr. Argrett&#8217;s death, disability, termination for Good Reason, or termination by the Company without Cause.&#160; &#8220;Cause&#8221; includes Mr. Argrett&#8217;s
      failure to substantially perform duties or material breach of the Employment Agreement or Company policy by Mr. Argrett (each after a permitted cure period); willful violation of law or regulation; conviction of a felony and certain other events of a
      comparable nature. &#8220;Good Reason&#8221; includes the demotion of Mr. Argrett or reduction of his authority or responsibilities; reduction of his salary (other than a reduction described above); failure to reelect him to the Board or the board of directors
      of the Bank; relocation of his current primary work location by more than 20 miles; or the Company&#8217;s material breach of the Employment Agreement (after a permitted cure period).</div>

    <div><br />
    </div>

    <div style="color: rgb(0, 0, 0);">Under the Employment Agreement, Mr. Argrett is entitled to: (i) vacation of 30 days annually, with right to carry over up to 15 days of vacation; (ii) automobile allowance of $1,500 per month; (iii) medical, dental,
      life and long-term disability insurance, and other benefit programs provided to other senior executives of the Company; (iv) 401(k) plan participation with current Company matching contribution policy; and (v) social club dues in accordance with
      Company policy, including dues currently paid by the Company of $1,500 per month.</div>

    <div><br />
    </div>

    <div style="color: rgb(0, 0, 0);">Mr. Argrett would be entitled to receive the following severance payments upon termination of his employment by the Company without Cause, by Mr. Argrett for Good Reason, or due to Disability. &#8220;Disability&#8221; under the
      agreement means that either (A) Mr. Argrett is deemed disabled for purposes of any group or individual long-term disability policy maintained by the Company that covers Mr. Argrett, or (B) in the good faith judgment of the Board, Mr. Argrett is
      substantially unable to perform his duties under the Employment Agreement for more than one hundred twenty (120) days, whether or not consecutive, in any twelve (12) -month period, by reason of a physical or mental illness or injury.&#160; Such payments
      would include the amount of any earned but unpaid bonus for services rendered by Mr. Argrett during the previous calendar year, plus 36 months of the base salary and other benefits summarized above (to the extent permitted under the applicable
      benefit plans) payable over that period in accordance with the Company&#8217;s normal payroll practices. If Mr. Argrett&#8217;s employment is terminated by the Company upon his death or due to Disability, Mr. Argrett will also receive any earned but unpaid bonus
      for services rendered during the calendar year of termination, provided that he was employed by the Company for at least six months during the calendar year of termination. If he is employed by the Company for less than the full calendar year in
      which the termination occurs, the bonus will be prorated based on the ratio of the number of days he is employed during the calendar year to 365 days. Payment of the severance payment is conditioned on the execution of a release of claims against the
      Company. If Mr. Argrett&#8217;s employment is terminated by the Company without Cause or by Mr. Argrett for Good Reason within two years after a Change in Control (as defined in the Employment Agreement), he will be entitled to receive the discounted
      present value of the severance in a lump sum payable within 10 days after a release of claims against the Company becomes effective.&#160; The Employment Agreement also contains customary prohibitions against solicitation of customers and employees and
      prohibitions against disclosure of confidential information of the Company.</div>

    <div style="color: rgb(0, 0, 0);"> <br />
    </div>

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      </div>

    </div>

    <div style="color: rgb(0, 0, 0);">The Employment Agreement replaced in its entirety the prior employment agreement, dated December 29, 2017, by and among the Bank, CFBanc, and Mr. Argrett that was assumed by the Company in connection with the Merger.</div>

    <div>&#160;</div>

    <div style="font-style: italic;">Nonqualified Deferred Compensation Plan for Brian Argrett</div>

    <div><br />
    </div>

    <div>On December 5, 2018, City First Bank established a non-qualified deferred compensation plan that permits Mr. Argrett to defer receipt of a percentage of his salary. The Board determines in its sole discretion the percentage to be contributed each
      year. Mr. Argrett is the only participant of the plan.</div>

    <div>&#160;</div>

    <div><span style="text-decoration: underline;">Brenda Battey and Ruth McCloud</span></div>

    <div>&#160;</div>

    <div style="color: rgb(0, 0, 0);">Each of Brenda Battey and Ruth McCloud serve in their respective positions pursuant to employment agreements (the &#8220;Executive Employment Agreements&#8221;) entered into with the Company and the Bank effective in May 2017 and
      subsequently amended in certain respects. The Executive Employment Agreements provided for an initial term of employment of three years, subject to annual one-year extensions by mutual agreement of the parties. The Executive Employment Agreements
      provide for the payment of an annual base salary, which is currently $265,000 for Ms. Battey, and $260,000 for Ms. McCloud, which are subject to annual review and possible increase by the Board. The Executive Employment Agreements also provide for
      participation in the Bank&#8217;s Employee Stock Ownership Plan, eligibility to receive equity-based awards pursuant to the Company&#8217;s 2018 Long-Term Incentive Plan of such types and in such amounts as are determined by the Board, and eligibility to
      participate in all employee benefit plans applicable to senior executive officers, including the Bank&#8217;s Incentive Plan, the Company&#8217;s 401(k) plan (with continuation of the Company&#8217;s employee contribution matching policy as of the effective date of
      the employment agreements), and medical, dental, life and long-term disability programs.</div>

    <div>&#160;</div>

    <div style="color: rgb(0, 0, 0);">&#160;Each Executive Employment Agreement may be terminated by the Company with or without Cause (including failure by the Company to request an annual extension of an agreement&#8217;s term), and following the Merger may be
      terminated by the executive for any reason, and will also terminate in the event of the death or Disability (as defined in the Executive Employment Agreement) of the executive. &#8220;Cause&#8221; is defined in each Executive Employment Agreement to include the
      executive&#8217;s failure substantially to perform her duties, or material breach by her of her employment agreement or any material written policy of the Company, in each case if not cured within 30 days after notice from the Board requiring such cure;
      willful violation of any law, rule or regulation (excluding traffic violations and similar offenses); entry of a final regulatory cease and desist order against her; and other offenses involving fraud, moral turpitude, or dishonesty involving
      personal profit.</div>

    <div>&#160;</div>

    <div style="color: rgb(0, 0, 0);">In the event of any termination of employment by the Company of the executive&#8217;s employment (excluding a termination of employment for Cause), or any termination by the executive, the executive would be entitled to
      receive all amounts accrued for payment to her to the date of termination and not previously paid, including base salary, unreimbursed business expenses, vested amounts under the Company&#8217;s 401(k) Plan and other employee benefit plans (collectively,
      the &#8220;Accrued Obligations&#8221;). The executive would also be entitled to continue to receive an amount equal to her monthly base salary for a specified period (the &#8220;Severance Period&#8221;) and would continue during the Severance Period to be entitled to
      receive her automobile allowance and payment by the Company of her life, long-term disability, medical and dental insurance premiums provided for in her employment agreement (such payments during the Severance Period being collectively referred to as
      the &#8220;Severance Payments&#8221;). The Severance Periods specified in the Executive Employment Agreements are 24 months for Ms. Battey, and 18 months for Ms. McCloud. In the event of termination of employment for Cause or due to death, the executive&#8217;s estate
      would only be entitled to receive payment of the Accrued Obligations.</div>

    <div style="color: rgb(0, 0, 0);"> <br />
    </div>

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        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div style="color: rgb(0, 0, 0);">Each Executive Employment Agreement provides that if the executive&#8217;s employment is terminated by the Company without Cause, or by the executive for any reason, within two years after a Change in Control of the Company
      has occurred, she will be entitled to receive a single lump sum payment equal to the present value of the Severance Payments described above, subject to execution of a general release. The present value of the Severance Payments would be calculated
      using the Applicable Federal Rate published by the Internal Revenue Service from time to time. &#8220;Change in Control&#8221; is defined in each Executive Employment Agreement to include: events that would be required to be reported as such pursuant to the
      Exchange Act or federal banking laws and regulations; any person or entity acquiring beneficial ownership of 50% or more of the Company&#8217;s outstanding securities; and changes in the composition of the Board that result, with certain exceptions, in
      directors who were members of the board as of the effective date of the employment agreements ceasing to constitute a majority of the Board.</div>

    <div>&#160;</div>

    <div style="color: rgb(0, 0, 0);">Each Executive Employment Agreement contains post-employment non-solicitation provisions pursuant to which, for a period of twelve months following termination the executive is prohibited from (i) attempting to
      influence any customer of the Company or the Bank to discontinue use of the Company&#8217;s or the Bank&#8217;s services, or (ii) attempting to disrupt the relationship between the Company or the Bank and any of their respective employees, customers or other
      persons having specified relationships with the Company or the Bank.</div>

    <div>&#160;</div>

    <div style="color: rgb(0, 0, 0);"><span style="text-decoration: underline;">Wayne-Kent Bradshaw and Norman Bellefeuille</span></div>

    <div>&#160;</div>

    <div style="color: rgb(0, 0, 0);">Mr. Bradshaw and Mr. Bellefeuille are each party to an employment agreement with the Company and the Bank that have substantially similar terms to the Executive Employment Agreements, except with respect to annual base
      salary and Severance Period, which are $457,011 and 36 months for Mr. Bradshaw, and $260,595 and 30 months for Mr. Bellefeuille.&#160; Mr. Bradshaw retired as President and Chief Executive Officer of the Company at the effective time of the Merger with
      CFBanc on April 1, 2021.&#160; Pursuant to the terms of his employment agreement, Mr. Bradshaw is entitled to receive severance payments of $42,573 per month.&#160; Mr. Bellefeuille retired as Executive Vice President and Chief Lending Officer, Wholesale
      Lending, of the Company on December 31, 2021.&#160; Pursuant to the terms of his employment agreement, upon execution of a release, Mr. Bellefeuille is entitled to a receive severance payment equal to the present value of his base salary plus specific
      benefits in a lump sum amount equal to the present value of the total of all such payments that would accrue over the Severance Period, or $708,028.</div>

    <div><br />
    </div>

    <div>&#160;</div>

    <div style="font-weight: bold;"><span style="text-decoration: underline;">Incentive Compensation</span></div>

    <div>&#160;</div>

    <div>The Bank&#8217;s Incentive Plan is designed to reward management for productivity, high performance, and implementing the business plan and vision of the Bank.&#160; The Compensation Committee establishes performance objectives in advance of each year.&#160;
      These performance objectives are derived from the strategic plan of the Bank, which is reviewed and approved by the Board annually, and typically covers the ensuing three years.&#160; The compensation payable under the Incentive Plan is tied directly to
      the attainment of the pre-established performance objectives.&#160; The Incentive Plan provides for a minimum, target and maximum incentive opportunity equal to 25%, 40%, and 65%, respectively, of base salary for the CEO, and 20%, 35%, and 50%,
      respectively, of base salary for the other senior executive officers, and lower percentages of base salary for other managers.</div>

    <div>&#160;</div>

    <div>In order for the Incentive Plan participants to receive any form of payout, a minimum financial threshold of 80% of the Board approved consolidated net earnings for the Incentive Plan year must be achieved.&#160; For each year, the Board establishes
      specific objectives in the following areas:</div>

    <div>&#160;</div>

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    <td style="width: 18pt; vertical-align: top;">&#8226;</td>

    <td style="width: auto; vertical-align: top;">
            <div>Net Earnings</div>
          </td>

  </tr>


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    <td style="width: 18pt; vertical-align: top;">&#8226;</td>

    <td style="width: auto; vertical-align: top;">
            <div>Capital</div>
          </td>

  </tr>


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    <td style="width: 18pt; vertical-align: top;">&#8226;</td>

    <td style="width: auto; vertical-align: top;">
            <div>Compliance</div>
          </td>

  </tr>


</table>
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    <td style="width: 18pt; vertical-align: top;">&#8226;</td>

    <td style="width: auto; vertical-align: top;">
            <div>Net Loan Growth</div>
          </td>

  </tr>


</table>
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    <td style="width: 18pt; vertical-align: top;">&#8226;</td>

    <td style="width: auto; vertical-align: top;">
            <div>Asset Quality</div>
          </td>

  </tr>


</table>
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    <td style="width: 18pt; vertical-align: top;">&#8226;</td>

    <td style="width: auto; vertical-align: top;">
            <div>Core Deposit Growth</div>
          </td>

  </tr>


</table>
    <div> <br />
    </div>

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      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">12</span></div>

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        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div>At the end of the Incentive Plan year, each goal is assessed, and results calculated.&#160; The Compensation Committee, pursuant to the terms of the Incentive Plan, determined that the pre-established objectives for 2019 and 2020 were achieved at least
      in part, and those achievements were used by the Committee to determine the restricted stock awards that were granted in early 2020 and 2021.</div>

    <div><br />
    </div>

    <div style="font-weight: bold;">Grants of Plan-Based Awards in 2021 and 2020</div>

    <div><br />
    </div>

    <div>During 2021, a stock award totaling 64,516 shares was granted to Mr. Argrett pursuant to his employment agreement.&#160; This award was fully-vested upon grant.</div>

    <div><br />
    </div>

    <div>During 2020, restricted stock awards totaling 84,373 shares were granted to the NEOs under the 2018 Long Term Incentive Plan as follows: 37,371 shares, 16,173 shares, 17,048 shares, and 13,781 shares were granted to Mr. Bradshaw, Ms. Battey, Mr.
      Bellefeuille, and Mrs. McCloud, respectively. These restricted stock awards, granted in 2020, became fully vested upon the closing of to the Merger on April 1, 2021.</div>

    <div><br />
    </div>

    <div>There were no grants of restricted stock units or stock options to the NEOs for the years ended December 31, 2021, and 2020.</div>

    <div>&#160;</div>

    <div style="font-weight: bold;">Outstanding Equity Awards at Fiscal Year-End</div>

    <div><br />
    </div>

    <div>The following table sets forth information concerning outstanding equity awards held by each NEO as of December 31, 2021.</div>

    <div> <br />
    </div>

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    <td valign="bottom" style="vertical-align: bottom; text-align: center; padding-bottom: 2px;"><br />
          </td>

    <td valign="bottom" colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="14" rowspan="1" style="vertical-align: bottom; text-align: center; border-bottom: 2px solid rgb(0, 0, 0); font-weight: bold;">Option Awards</td>

    <td valign="bottom" colspan="1" rowspan="1" style="vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" rowspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="6" rowspan="1" style="vertical-align: bottom; text-align: center; border-bottom: #000000 solid 2px;">
            <div style="font-weight: bold;">Restricted Stock Awards</div>
          </td>

    <td valign="bottom" colspan="1" rowspan="1" style="vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: bottom; text-align: center; border-bottom: #000000 solid 2px;">
            <div style="font-weight: bold;">NAME</div>
          </td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: bottom; text-align: center; border-bottom: #000000 solid 2px;">
            <div style="font-weight: bold;">Number of Securities Underlying Unexercised Options (#)</div>
            <div style="font-weight: bold;">(Exercisable)</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: bottom; text-align: center; border-bottom: #000000 solid 2px;">
            <div style="font-weight: bold;">Number of Securities Underlying Unexercised Options (#)</div>
            <div style="font-weight: bold;">(Unexercisable)</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: bottom; text-align: center; border-bottom: #000000 solid 2px;">
            <div style="font-weight: bold;">Option </div>
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            <div style="font-weight: bold;"> Price ($) <sup>(2)</sup></div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: bottom; text-align: center; border-bottom: #000000 solid 2px;">
            <div style="font-weight: bold;">Option Expiration Date<sup>(3)</sup></div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: bottom; text-align: center; border-bottom: #000000 solid 2px;">
            <div style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: bold;"><span style="font-size: 10pt; font-family: 'Times New Roman';">Number of Shares </span></div>
            <div style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: bold;"><span style="font-size: 10pt; font-family: 'Times New Roman';">That Have </span></div>
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            <div style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: bold;"><span style="font-size: 10pt; font-family: 'Times New Roman';">Vested (#) <sup>(4)</sup></span></div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: center; vertical-align: bottom; padding-bottom: 2px;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: bottom; text-align: center; border-bottom: #000000 solid 2px;">
            <div style="font-weight: bold;">Market</div>
            <div style="font-weight: bold;"> Value of </div>
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            <div style="font-weight: bold;">Vested ($)<sup>(4)</sup></div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; padding-bottom: 2px; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td style="vertical-align: bottom; width: 28%; background-color: rgb(204, 238, 255);">
            <div>Brian E. Argrett</div>
          </td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td style="vertical-align: bottom; width: 28%;">
            <div>Wayne-Kent A. Bradshaw</div>
          </td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td style="vertical-align: bottom; background-color: rgb(204, 238, 255);">
            <div>Brenda J. Battey</div>
          </td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>150,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>1.62</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">
            <div>02/24/2026</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td style="vertical-align: bottom;">
            <div>Norman Bellefeuille<sup>(5)</sup></div>
          </td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>200,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>1.62</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>

    <td colspan="2" style="vertical-align: bottom; text-align: right;">
            <div>02/24/2026</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td style="vertical-align: bottom; background-color: rgb(204, 238, 255);">Ruth McCloud<br />
          </td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>100,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>1.62</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td colspan="2" style="vertical-align: bottom; background-color: rgb(204, 238, 255); text-align: right;">
            <div>02/24/2026</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: right; vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>


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

    <div>
      <hr style="height: 2px; width: 10%; color: #000000; background-color: #000000; border: none; margin-left: 0px; margin-right: auto;" /> </div>

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
          </td>

    <td style="width: 27pt; vertical-align: top;">(1)</td>

    <td style="width: auto; vertical-align: top;">
            <div>Options vest in equal annual installments on each anniversary date over a period of five years commencing on the date of grant.</div>
          </td>

  </tr>


</table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
          </td>

    <td style="width: 27pt; vertical-align: top;">(2)</td>

    <td style="width: auto; vertical-align: top;">
            <div>Based upon the fair market value of a share of Company common stock on the date of grant.</div>
          </td>

  </tr>


</table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
          </td>

    <td style="width: 27pt; vertical-align: top;">(3)</td>

    <td style="width: auto; vertical-align: top;">
            <div>Terms of outstanding stock options are for a period of ten years from the date the option is granted.</div>
          </td>

  </tr>


</table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
          </td>

    <td style="width: 27pt; vertical-align: top;">(4)</td>

    <td style="width: auto; vertical-align: top;">
            <div>There were no vested restricted stock awards outstanding as of December 31, 2021.</div>
          </td>

  </tr>


</table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
          </td>

    <td style="width: 27pt; vertical-align: top;">(5)</td>

    <td style="width: auto; vertical-align: top;">
            <div>Mr. Bellefeuille retired on December 31, 2021.</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">13</span></div>

      <div style="page-break-after:always;" class="DSPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

      <div style="width: 100%;" class="DSPFPageHeader">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div style="text-align: justify; font-weight: bold;">Director Compensation</div>

    <div>&#160;</div>

    <div style="text-align: justify;">During calendar year 2021, prior to April 1, 2021, the non-employee directors of the Company were compensated in accordance with the following policy: <span style="color: rgb(0, 0, 0);">$1,000 per meeting for
        attending monthly and special board meetings, an annual director retainer of $8,000, an additional annual committee service retainer of $8,000, an additional annual retainer of $10,000 to the Chairman of the Board, and an additional annual retainer
        of $6,000 to each committee chair other than the corporate governance committee chair, with respect to whom the additional annual retainer was $4,000.&#160; Each non-employee director was also entitled to receive an annual equity grant of $7,500 in
        Common Stock in the first quarter of the year.</span></div>

    <div><br />
    </div>

    <div style="text-align: justify;">From and after April 1, 2021, the non-employee directors of the Company were compensated in accordance with the following policy:&#160; $1,000 per meeting for attending monthly and special meeting board meetings, and are to
      be paid a fee of $1,000 in August whether or not a meeting is held, an annual director retainer of $8,000, an additional annual committee service retainer of $8,000, an additional annual retainer of $10,000 to the Chairman of the Board, an additional
      annual retainer of $9,000 to the Lead Independent Director, and an additional annual retainer of $6,000 to each committee chair.&#160; The policy also provided for each non-employee director to receive an annual equity grant of $7,500 in Common Stock in
      the first quarter of the year.</div>

    <div><br />
    </div>

    <div style="text-align: justify;">Effective January 1, 2022, the non-employee directors of the Company will be paid a quarterly fee of $12,500 (&#8220;Board Service Retainer&#8221;).&#160; In addition, outside directors who serve as Chair of one or more committees
      shall receive an additional quarterly fee of $1,500 (&#8220;Committee Chair Service Retainer&#8221;).&#160; In lieu of the Board Service Retainer payments, any outside director who serves as Lead Independent Director shall receive a quarterly fee of $14,000, and any
      outside director who serves as Chair of the Board shall receive a quarterly fee of $15,000.&#160; In addition, each calendar year the Company will issue $12,000 in unrestricted stock to each outside director for service during such year.</div>

    <div>&#160;</div>

    <div style="text-align: justify;">Members of the Board do not receive separate compensation for their service on the board of directors of the Bank.</div>

    <div>&#160;</div>

    <div style="text-align: justify;">The following table summarizes the compensation paid to non-employee directors for the year ended December 31, 2021.</div>

    <div><br />
    </div>

    <table cellspacing="0" cellpadding="0" class="cfttable" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">


  <tr>

    <td style="vertical-align: top; text-align: center;">
            <div style="font-weight: bold;">Name<sup>(1)</sup></div>
          </td>

    <td colspan="1" style="vertical-align: top; text-align: center;">&#160;</td>

    <td colspan="2" style="vertical-align: top; text-align: center;">
            <div style="font-weight: bold;">Fees Earned or Paid in Cash<span style="font-weight: normal;"><sup>(2)</sup></span></div>
          </td>

    <td colspan="1" style="text-align: center; vertical-align: top; white-space: nowrap;">&#160;</td>

    <td colspan="1" style="vertical-align: top; text-align: center;">&#160;</td>

    <td colspan="2" style="vertical-align: top; text-align: center;">
            <div style="font-weight: bold;">Stock Awards<sup><span style="font-weight: normal;">(3)</span></sup></div>
          </td>

    <td colspan="1" style="text-align: center; vertical-align: top; white-space: nowrap;">&#160;</td>

    <td colspan="1" style="vertical-align: top; text-align: center;">&#160;</td>

    <td colspan="2" style="vertical-align: top; text-align: center;">
            <div style="font-weight: bold;">All Other Compensation<span style="font-weight: normal;"><sup>(4)</sup></span></div>
          </td>

    <td colspan="1" style="text-align: center; vertical-align: top; white-space: nowrap;">&#160;</td>

    <td colspan="1" style="vertical-align: top; text-align: center;">&#160;</td>

    <td colspan="2" style="vertical-align: top; text-align: center;">
            <div style="font-weight: bold;">Total</div>
          </td>

    <td colspan="1" style="text-align: center; vertical-align: top; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
            <div style="margin-left: 9pt;">Wayne-Kent Bradshaw<span style="font-weight: normal;"><sup>(5)</sup></span></div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>25,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>25,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
            <div style="margin-left: 9pt;">Robert C. Davidson</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>35,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>7,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>1,520</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>44,520</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
            <div style="margin-left: 9pt;">Daniel Medina</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div style="color: rgb(0, 0, 0);">$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="color: rgb(0, 0, 0);">8,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>7,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div style="color: rgb(0, 0, 0);">$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="color: rgb(0, 0, 0);">16,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
            <div style="margin-left: 9pt;">Virgil Roberts</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="color: rgb(0, 0, 0);">$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="color: rgb(0, 0, 0);">10,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>7,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div style="color: rgb(0, 0, 0);">$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div style="color: rgb(0, 0, 0);">18,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
            <div style="margin-left: 9pt;">Erin Selleck</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div style="color: rgb(0, 0, 0);">$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="color: rgb(0, 0, 0);">8,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>7,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div style="color: rgb(0, 0, 0);">$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div style="color: rgb(0, 0, 0);">16,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
            <div style="margin-left: 9pt;">Jack Thompson</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>24,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>7,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>31,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
            <div style="margin-left: 9pt;">Mary Ann Donovan</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>29,800</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>1,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>30,800</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
            <div style="margin-left: 9pt;">Marie C. Johns</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>38,375</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>1,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>39,375</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
            <div style="margin-left: 9pt;">William A. Longbrake</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>39,325</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>1,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>40,325</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%;">
            <div style="margin-left: 9pt;">David J. McGrady</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>34,925</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>1,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
            <div>35,925</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 52%; background-color: #CCEEFF;">
            <div style="margin-left: 9pt;">Dutch C. Ross III</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>35,000</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>7,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>-</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
            <div>$</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
            <div>42,500</div>
          </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>


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

    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 27pt; vertical-align: top;">(1)</td>

    <td style="width: auto; vertical-align: top;">
            <div style="font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman';">Mr. Medina, Mr. Roberts, and Ms. Selleck resigned from the Board of Directors on April 1, 2021, and Ms. Donovan, Ms. Johns, Dr. Longbrake,
                Mr. McGrady, and Mr. Argrett were appointed to the Board of Directors on that date.&#160; Mr. Thompson resigned from the Board on September 15, 2021.</span></div>
          </td>

  </tr>


</table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 27pt; vertical-align: top;">(2)</td>

    <td style="width: auto; vertical-align: top;">
            <div>Includes payments of annual retainer fees, fees paid to chairs members of Board committees, and meeting attendance fees.</div>
          </td>

  </tr>


</table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 27pt; vertical-align: top;">(3)</td>

    <td style="width: auto; vertical-align: top;">
            <div>The amounts shown reflect the aggregate fair value of stock awards on the grant date, as determined in accordance with FASB ASC Topic 718. For each director, the number of shares of Common Stock was determined by dividing the grant date
              value of the award, $7,500, by $2.17, the average of the highest and lowest trading price of the Company&#8217;s Common Stock on February 24, 2021, the date of grant.</div>
          </td>

  </tr>


</table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 27pt; vertical-align: top;">(4)</td>

    <td style="width: auto; vertical-align: top;">
            <div>Includes premiums paid to Mr. Davidson for dental and vision insurance.</div>
          </td>

  </tr>


</table>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 27pt; vertical-align: top;">(5)</td>

    <td style="width: auto; vertical-align: top;">
            <div>Mr. Bradshaw retired as President and Chief Executive Officer immediately prior to the effective time of the Merger on April 1, 2021.&#160; Amounts in the table reflect compensation paid to Mr. Bradshaw for service as a Director, and not as an
              employee of the Company.&#160; Mr. Bradshaw&#8217;s compensation as an employee of the Company is set forth under &#8220;Executive Compensation&#8221; above.</div>
          </td>

  </tr>


</table>
    <div><br />
    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">14</span></div>

      <div style="page-break-after:always;" class="DSPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

      <div style="width: 100%;" class="DSPFPageHeader">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div>
      <div style="color: rgb(0, 0, 0); font-weight: bold;">Delinquent Section 16(a) Reports</div>

      <div><br />
      </div>

    </div>

    <div>
      <div style="color: rgb(0, 0, 0);">Section 16(a) of the Exchange Act requires the Company&#8217;s executive officers and directors, and persons who own more than 10% of the Company&#8217;s Class A voting common stock (the &#8220;Voting Common Stock&#8221;), to report to the
        SEC their initial ownership of shares of the Company&#8217;s common stock and any subsequent changes in that ownership. Specific due dates for these reports have been established by the SEC and any late filings or failures to file are to be disclosed in
        this Proxy Statement. The Company&#8217;s executive officers and directors, and persons who own more than 10% of the Company&#8217;s Voting Common Stock are required by SEC rules to furnish the Company with copies of all forms that they file pursuant to
        Section 16(a) of the Exchange Act. On July 28, 2021, Mr. Argrett filed a Form 4 regarding the issuance of shares of our Voting Common Stock to him on July 21, which filing was required under applicable regulations to have been made by the end of
        the second business day after the issuance. On August 19, 2021, City First Enterprises filed a Form 3 and a Form 4 relating to shares of Voting Common Stock issued in exchange for CFBanc Class A Common Stock in the Merger on April 1, 2021, which
        filings were required under applicable regulations to have been made by the end of the tenth day and second business day, respectively, after the issuance.</div>

      <div style="color: rgb(0, 0, 0);"> <br />
      </div>

    </div>

    <div style="font-weight: bold;">Code of Ethics</div>

    <div><br />
    </div>

    <div>The Board has adopted a Code of Ethics for the Company&#8217;s directors and a Code of Conduct for all employees, including the executive officers. Our directors and executive officers are expected to adhere to these policies at all times. Stockholders
      may obtain copies of the policies, free of charge, upon written request to: Broadway Financial Corporation, 4601 Wilshire Boulevard, Suite 150, Los Angeles, California 90010, Attention: Brenda Battey.</div>

    <div><br />
    </div>

    <div style="font-weight: bold;">Audit Committee</div>

    <div><br />
    </div>

    <div>The Audit Committee consists of Dr. Longbrake (Chairman), Ms. Johns, and Ms. Donovan. This committee is responsible for the engagement and oversight of the Company&#8217;s independent registered public accounting firm. The Audit Committee, together with
      the corresponding committee of the Bank&#8217;s Board of Directors, is also responsible for oversight of the internal audit function of the Company, assessment of accounting and internal control policies, and monitoring of regulatory compliance. The
      members of the Audit Committee are independent directors as defined under the <span style="color: rgb(0, 0, 0);">Nasdaq Stock Market (&#8220;</span>Nasdaq&#8221;) listing standards. In addition, Dr. Longbrake meets the definition of &#8220;audit committee financial
      expert,&#8221; as defined by the SEC.</div>

    <div><br />
    </div>

    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">15</span></div>

      <div style="page-break-after:always;" class="DSPFPageBreak">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

      <div style="width: 100%;" class="DSPFPageHeader">
        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <!--PROfilePageNumberReset%Num%16%%%-->
    <div>
      <a id="ITEM12."><!--Anchor--></a>
<table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 12.</td>

    <td style="vertical-align: top;">
              <div style="font-weight: bold;">SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS</div>
            </td>

  </tr>


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

      <div style="font-weight: bold;">SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT</div>

      <div><br />
      </div>

      <div>The following table sets forth information as of April 25, 2022, concerning the shares of the Company&#8217;s Common Stock owned by each person known to the Company to be a beneficial owner of more than 5% of the Company&#8217;s Voting Common Stock, each
        director, each NEO, and all current directors and executive officers as a group.</div>

      <div><br />
      </div>

      <table cellspacing="0" cellpadding="0" class="cfttable" style="font-family: 'Times New Roman'; font-size: 10pt; text-align: left; color: #000000; width: 100%;">


  <tr>

    <td style="vertical-align: bottom; text-align: center;">
              <div style="font-weight: bold;">Beneficial Owner</div>
            </td>

    <td colspan="1" style="vertical-align: bottom; text-align: center;">&#160;</td>

    <td colspan="2" style="vertical-align: bottom; text-align: center;">
              <div style="font-weight: bold;">Number of</div>
              <div style="font-weight: bold;">Shares of</div>
              <div style="font-weight: bold;">Voting</div>
              <div style="font-weight: bold;">Common</div>
              <div style="font-weight: bold;">Stock, Class A</div>
              <div style="font-weight: bold;">Beneficially</div>
              <div style="font-weight: bold;">Owned</div>
            </td>

    <td colspan="1" style="text-align: center; vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td colspan="1" style="vertical-align: bottom; text-align: center;">&#160;</td>

    <td colspan="2" style="vertical-align: bottom; text-align: center;">
              <div style="font-weight: bold;">Percent</div>
              <div style="font-weight: bold;">of Voting</div>
              <div style="font-weight: bold;">Common</div>
              <div style="font-weight: bold;">Stock</div>
            </td>

    <td colspan="1" style="text-align: center; vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td colspan="1" style="vertical-align: bottom; text-align: center;">&#160;</td>

    <td colspan="2" style="vertical-align: bottom; text-align: center;">
              <div style="font-weight: bold;">Number of</div>
              <div style="font-weight: bold;">Shares of</div>
              <div style="font-weight: bold;">Non-Voting</div>
              <div style="font-weight: bold;">Common</div>
              <div style="font-weight: bold;">Stock, Class B</div>
              <div style="font-weight: bold;">Beneficially</div>
              <div style="font-weight: bold;">Owned<sup>(1)</sup></div>
            </td>

    <td colspan="1" style="text-align: center; vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td colspan="1" style="vertical-align: bottom; text-align: center;">&#160;</td>

    <td colspan="2" style="vertical-align: bottom; text-align: center;">
              <div style="font-weight: bold;">Number of</div>
              <div style="font-weight: bold;">Shares of</div>
              <div style="font-weight: bold;">Non-Voting</div>
              <div style="font-weight: bold;">Common</div>
              <div style="font-weight: bold;">Stock, Class C</div>
              <div style="font-weight: bold;">Beneficially</div>
              <div style="font-weight: bold;">Owned<sup>(2)</sup></div>
            </td>

    <td colspan="1" style="text-align: center; vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td colspan="1" style="vertical-align: bottom; text-align: center;">&#160;</td>

    <td colspan="2" style="vertical-align: bottom; text-align: center;">
              <div style="font-weight: bold;">Percent of</div>
              <div style="font-weight: bold;">Total</div>
              <div style="font-weight: bold;">Common</div>
              <div style="font-weight: bold;">Stock</div>
              <div style="font-weight: bold;">Outstanding<sup>(3)</sup></div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
              <div style="font-family: 'Times New Roman',Times,serif; font-size: 8pt;"><span style="font-size: 10pt; font-family: 'Times New Roman';">City First Enterprises<sup>(4)</sup></span></div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>6,622,236</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>14.21</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">
              <div>%</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>9.01</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">
              <div>%</div>
            </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div>EJF Capital LLC <sup>(5)</sup></div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>3,920,916</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>8.41</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">
              <div>%</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;"><br />
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;"><br />
            </td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
              <div>Cedars-Sinai Medical Center <sup>(6)</sup></div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>2,808,989</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>6.03</div>
            </td>

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    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
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    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
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    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>3.82</div>
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    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">
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    <td valign="bottom" style="vertical-align: top; width: 40%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
              <div style="font-family: 'Times New Roman',Times,serif; font-size: 8pt; font-weight: bold;"><span style="font-size: 10pt; font-family: 'Times New Roman';">Directors and Named Executive Officers<sup>(7)</sup></span></div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div style="font-family: 'Times New Roman',Times,serif; font-size: 8pt;"><span style="font-size: 10pt; font-family: 'Times New Roman';">Wayne-Kent A. Bradshaw<sup>(8)</sup></span></div>
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    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>276,661</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
              <div>Brian E. Argrett</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>181,778</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div>Robert C. Davidson, Jr.<sup>(9)</sup></div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>95,331</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
              <div>Mary Ann Donovan</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>8,103</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div>Marie C. Johns</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>8,103</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
              <div>William A. Longbrake</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>58,103</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div>David J. McGrady</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>8,103</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
              <div>Dutch C. Ross III</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>38,813</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div style="font-family: 'Times New Roman',Times,serif; font-size: 8pt;"><span style="font-size: 10pt; font-family: 'Times New Roman';">Brenda J. Battey<sup>(10)</sup></span></div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>252,648</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
              <div>Shannan A. Herbert</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>47,581</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div style="font-family: 'Times New Roman',Times,serif; font-size: 8pt;"><span style="font-size: 10pt; font-family: 'Times New Roman';">Ruth McCloud<sup>(11)</sup></span></div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>189,200</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">
              <div>Tom Nida</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>40,604</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div>Sonja Wells</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>48,039</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>*</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 40%;">
              <div style="font-weight: bold;">All current directors and executive officers as a group (13 persons)</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1,253,067</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>2.69</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">
              <div>%</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>-</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
              <div>1.70</div>
            </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; white-space: nowrap;">
              <div>%</div>
            </td>

  </tr>


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

      <div>
        <hr style="height: 2px; width: 10%; color: #000000; background-color: #000000; border: none; margin-left: 0px; margin-right: auto;" /> </div>

      <div style="margin-left: 9pt;">*Less than 1%.</div>

      <div><br />
      </div>

      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
            </td>

    <td style="width: 27pt; vertical-align: top;">(1)</td>

    <td style="width: auto; vertical-align: top;">
              <div>The Class B non-voting common stock may not be converted to common stock.</div>
            </td>

  </tr>


</table>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
            </td>

    <td style="width: 27pt; vertical-align: top;">(2)</td>

    <td style="width: auto; vertical-align: top;">
              <div>The Class C non-voting common stock automatically converts to Voting Common Stock upon certain prescribed forms of sales to third parties that are not affiliated with the holders thereof.</div>
            </td>

  </tr>


</table>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
            </td>

    <td style="width: 27pt; vertical-align: top;">(3)</td>

    <td style="width: auto; vertical-align: top;">
              <div>Percentages are based on the total of Voting Common Stock, Class B non-voting and Class C non-voting common stock held by the respective stockholders shown in the table.</div>
            </td>

  </tr>


</table>
      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


  <tr>

    <td style="width: 9pt;"><br />
            </td>

    <td style="width: 27pt; vertical-align: top;">(4)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>The address for City First Enterprises is 1 Thomas Circle, NW, Suite 700, Washington, D.C. 20005.</div>
            </td>

  </tr>


</table>
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    <td style="width: 9pt;"><br />
            </td>

    <td style="width: 27pt; vertical-align: top;">(5)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Emanuel J. Friedman is the controlling member of EJF Capital LLC and may be deemed to share beneficial ownership of the shares of which EJF Capital LLC may share beneficial ownership.&#160; EJF Capital is the sole member of each of EJF Debt
                Opportunities GP, LLC, EJF Financial Services GP, LLC, and EJF Debt Opportunities II GP, LLC, and may be deemed to share beneficial ownership of the shares of which such entities may share beneficial ownership.&#160; Each of EJF Debt
                Opportunities Master Fund, L.P., EJF Financial Services Fund, LP, and EJF Debt Opportunities Master Fund II, LP is the record owner of a portion of the shares of Class A Common Stock shown above for EJF Capital LLC, and are managed by the
                respective investment managers listed in the prior sentence.&#160; The address for EJF Capital LLC and each of such entities is 2107 Wilson Boulevard, Suite 410, Arlington, VA 22201.</div>
            </td>

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    <td style="width: 9pt;"><br />
            </td>

    <td style="width: 27pt; vertical-align: top;">(6)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>The address for Cedars-Sinai Medical Center is 8700 Beverly Boulevard, TRES 6500, Los Angeles, CA 90048.</div>
            </td>

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    <td style="width: 9pt;"><br />
            </td>

    <td style="width: 27pt; vertical-align: top;">(7)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>The address for each of the directors and named executive officers is 4601 Wilshire Boulevard, Suite 150, Los Angeles, CA 90010.</div>
            </td>

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    <td style="width: 9pt;"><br />
            </td>

    <td style="width: 27pt; vertical-align: top;">(8)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Includes 41,648 allocated shares under the Broadway Employee Stock Ownership Plan (&#8220;ESOP&#8221;).</div>
            </td>

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            </td>

    <td style="width: 27pt; vertical-align: top;">(9)</td>

    <td style="width: auto; vertical-align: top;">
              <div>Includes 70,000 shares that are held by the Robert and Alice Davidson Trust, dated August 11, 1982. Robert Davidson and Alice Davidson share investment and voting power with respect to the shares held by the Robert and Alice Davidson
                Trust in their capacities as trustees of the trust.</div>
            </td>

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    <td style="width: 9pt;"><br />
            </td>

    <td style="width: 27pt; vertical-align: top;">(10)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Includes 29,053 allocated shares under the ESOP and 150,000 shares subject to options granted under the LTIP, which options are all currently exercisable.</div>
            </td>

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            </td>

    <td style="width: 27pt; vertical-align: top;">(11)</td>

    <td style="width: auto; vertical-align: top; text-align: justify;">
              <div>Includes 26,530 allocated shares under the ESOP and 100,000 shares subject to options granted under the LTIP, which options are all currently exercisable.</div>
            </td>

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      <div><br />
      </div>

      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
        <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">16</span></div>

        <div style="page-break-after: always;" class="DSPFPageBreak">
          <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" /></div>

        <div style="width: 100%;" class="DSPFPageHeader">
          <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

        </div>

      </div>

      <a id="ITEM13."><!--Anchor--></a>
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    <td style="width: 54pt; vertical-align: top; font-weight: bold;">ITEM 13.</td>

    <td style="width: auto; vertical-align: top;">
              <div style="font-weight: bold;">CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE</div>
            </td>

  </tr>


</table>
      <div><br />
      </div>

      <div style="text-align: justify; font-weight: bold;">Certain Relationships and Related Transactions</div>

      <div><br />
      </div>

      <div>
        <div style="color: rgb(0, 0, 0);">Transactions by us with related persons are subject to formal written policies, as well as regulatory requirements and restrictions. These requirements and restrictions include Sections 23A and 23B of the Federal
          Reserve Act and the Federal Reserve&#8217;s Regulation W (which govern certain transactions by us with our affiliates) and the Federal Reserve&#8217;s Regulation O (which governs certain loans by the Bank to its executive officers, directors, and principal
          stockholders). We have adopted policies to comply with these regulatory requirements and restrictions. The Company&#8217;s current loan policy provides that all loans made by the Company or its subsidiary to its directors and executive officers or
          their associates must be made on substantially the same terms, including interest rates, collateral and repayment terms, as those prevailing at the time for comparable transactions with other persons of similar creditworthiness who are not
          related to the Company and must not involve more than the normal risk of collectability or present other unfavorable features. As of December 31, 2021, the Company did not have any loans to related parties or affiliates. Loans to insiders and
          their related interests require approval by the Board, or a Board designated committee. We also apply the same standards to any other transactions with an insider. Personal loans made to any executive officer or director must comply with
          Regulation O. Additionally, loans and other related party transactions are subject to Audit Committee review and approval requirements.</div>

        <div style="color: rgb(0, 0, 0);"> <br />
        </div>

        <div style="color: rgb(0, 0, 0);">From time to time, City First Enterprises and the Bank will each make an investment in the same community development project. These loans by the Bank are made in the ordinary course of business on substantially
          the same terms, including interest rate and collateral, as those prevailing at the time for comparable loans with persons not related to the Bank, and do not involve more than the normal risk of collectability or present other unfavorable
          features. All such loans are reviewed, approved, or ratified by the Director&#8217;s Loan Committee of the Bank and are made in accordance with the Bank&#8217;s lending and credit policies</div>

      </div>

      <div>&#160;</div>

      <div>
        <div style="color: rgb(0, 0, 0); font-weight: bold;">Parents of Smaller Reporting Company</div>

        <div style="font-family: 'Times New Roman',Times,serif;"><span style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">City First Enterprises is the owner of </span><span style="font-family: 'Times New Roman';">6,622,236<span style="color: rgb(0, 0, 0);"> shares of our Voting Common Stock, which represents approximately 14.21% of our Voting Common Stock outstanding. In addition, four members of our Board &#8211; Mr. Argrett, our President and CEO, Dr. Longbrake, Mr. McGrady, and Ms.
              Donovan &#8211; are also members of the Board of Directors of City First Enterprises.</span></span></div>

      </div>

      <div>&#160;</div>

      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
        <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">17</span></div>

        <div style="page-break-after:always;" class="DSPFPageBreak">
          <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" /></div>

        <div style="width: 100%;" class="DSPFPageHeader">
          <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

        </div>

      </div>

      <div style="font-weight: bold;">Director Independence</div>

      <div><br />
      </div>

      <div style="color: rgb(0, 0, 0);">We have adopted standards for director independence pursuant to the Nasdaq listing standards. The Board has considered relationships, transactions and/or arrangements with each of its directors and has determined
        that all of the Company&#8217;s non-employee directors other than Mr. Bradshaw are &#8220;independent&#8221; under applicable Nasdaq listing standards and Securities and Exchange Commission (&#8220;SEC&#8221;) rules. In addition, in 2021 until the Merger, Virgil Roberts, Daniel
        A. Medina, and Erin Selleck served as directors of the Company, and in 2021 until his resignation, Mr. Thompson served as a director of the Company, all of whom the Company determined to be &#8220;independent&#8221; under applicable Nasdaq listing standards
        and SEC rules.</div>

      <div>&#160;</div>

      <div>
        <div>
          <a id="ITEM14."><!--Anchor--></a>
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    <td style="vertical-align: top; width: 54pt;">
                  <div style="text-align: left; font-family: 'Times New Roman',serif; font-size: 10pt; font-weight: bold;">ITEM 14.</div>
                </td>

    <td style="align: left; vertical-align: top; width: auto;">
                  <div style="text-align: left; font-family: 'Times New Roman',serif; font-size: 10pt; font-weight: bold;">PRINCIPAL ACCOUNTANT FEES AND SERVICES</div>
                </td>

  </tr>


</table>
        </div>

        <div><br />
        </div>

        <div style="text-align: left; font-family: 'Times New Roman',serif; font-size: 10pt; font-weight: bold;">Principal Accountant Fees and Services</div>

        <div><br />
        </div>

        <div style="text-align: left; font-family: 'Times New Roman',serif; font-size: 10pt;">The Audit Committee approves each engagement before the Company&#8217;s independent accountants, Moss Adams LLP, are engaged to render non-audit services for the
          Company or the Bank. No non-audit services were provided by Moss Adams LLP for the years indicated, except as indicated in the table below. The Audit Committee also preapproved all of the audit and audit-related services provided by Moss Adams
          LLP for the years ended December 31, 2021 and 2020.</div>

        <div><br />
        </div>

        <div style="text-align: left; font-family: 'Times New Roman',serif; font-size: 10pt;">The following table sets forth the aggregate fees billed to us by <ix:nonNumeric name="dei:AuditorName" id="Fact_3b7cbea8bf1c4fe9843fb0cd4189e6a6" contextRef="c20210101to20211231">Moss Adams LLP</ix:nonNumeric> (<ix:nonNumeric name="dei:AuditorLocation" id="Fact_8023b310a02d46cf8b4e53376c07e2ee" contextRef="c20210101to20211231">Sacramento, California</ix:nonNumeric>, PCAOB ID <span style="-sec-ix-hidden:Fact_34b654126d85406cac6c75ba47cfa43b">659</span>) for audit fees and by Moffett &amp; Associates, Inc. for tax services for the years indicated, inclusive of out of pocket expenses.</div>

        <div><br />
        </div>

        <table cellspacing="0" cellpadding="0" border="0" class="cfttable" style="width: 100%; color: #000000; font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left;">


  <tr>

    <td valign="bottom" rowspan="1" style="vertical-align: top; font-family: 'Times New Roman'; width: 46%;">&#160;</td>

    <td valign="bottom" rowspan="1" colspan="1" style="vertical-align: bottom; font-family: 'Times New Roman'; width: 1%;">&#160;</td>

    <td valign="bottom" rowspan="1" colspan="2" style="vertical-align: top; font-family: 'Times New Roman'; text-align: center;">2021</td>

    <td valign="bottom" rowspan="1" colspan="1" style="text-align: left; vertical-align: bottom; font-family: 'Times New Roman'; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" rowspan="1" colspan="1" style="vertical-align: bottom; font-family: 'Times New Roman'; width: 1%;">&#160;</td>

    <td valign="bottom" rowspan="1" colspan="2" style="vertical-align: top; font-family: 'Times New Roman'; text-align: center;">2020</td>

    <td valign="bottom" rowspan="1" colspan="1" style="text-align: left; vertical-align: bottom; font-family: 'Times New Roman'; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" rowspan="1" style="vertical-align: top; font-family: 'Times New Roman'; width: 46%;">&#160;</td>

    <td valign="bottom" rowspan="1" colspan="1" style="vertical-align: bottom; font-family: 'Times New Roman'; width: 1%;">&#160;</td>

    <td valign="bottom" rowspan="1" colspan="6" style="vertical-align: top; font-family: 'Times New Roman'; text-align: center;">(in thousands)</td>

    <td valign="bottom" rowspan="1" colspan="1" style="text-align: left; vertical-align: bottom; font-family: 'Times New Roman'; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; font-family: 'Times New Roman'; width: 46%;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; font-family: 'Times New Roman'; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top; font-family: 'Times New Roman';">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; font-family: 'Times New Roman'; width: 1%; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; font-family: 'Times New Roman'; width: 1%;">&#160;</td>

    <td valign="bottom" colspan="2" style="vertical-align: top; font-family: 'Times New Roman';">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; font-family: 'Times New Roman'; width: 1%; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 46%; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Audit Fees <sup>(1)</sup></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-family: 'Times New Roman';">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">$</div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">318</div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-family: 'Times New Roman';">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">$</div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">214</div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 46%;">
                <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Audit-related fees <sup>(2)</sup></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; font-family: 'Times New Roman';">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
                </div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">72</div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; font-family: 'Times New Roman'; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; font-family: 'Times New Roman';">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
                </div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">16</div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; font-family: 'Times New Roman'; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 46%; padding-bottom: 2px; background-color: rgb(204, 238, 255);">
                <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Tax Fees <sup>(3)</sup></div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman';">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
                </div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">108</div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman';">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;"><br />
                </div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">90</div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255); font-family: 'Times New Roman'; white-space: nowrap;">&#160;</td>

  </tr>

  <tr>

    <td valign="bottom" style="vertical-align: top; width: 46%; padding-bottom: 4px;">
                <div style="text-align: left; font-family: 'Times New Roman'; font-size: 10pt;">Total fees</div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; font-family: 'Times New Roman'; padding-bottom: 4px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">$</div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">498</div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; font-family: 'Times New Roman'; padding-bottom: 4px; white-space: nowrap;">&#160;</td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; width: 1%; font-family: 'Times New Roman'; padding-bottom: 4px;">&#160;</td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">$</div>
              </td>

    <td valign="bottom" colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0);">
                <div style="font-family: 'Times New Roman'; font-size: 10pt;">230</div>
              </td>

    <td valign="bottom" colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; font-family: 'Times New Roman'; padding-bottom: 4px; white-space: nowrap;">&#160;</td>

  </tr>


</table>
        <div style="font-family: 'Times New Roman';"><br />
        </div>

        <div style="font-family: 'Times New Roman';">
          <hr style="background-color: #000000; border-bottom: medium none; border-left: medium none; border-right: medium none; border-top: medium none; margin: 0px auto 0px 0px; height: 2px; width: 10%; color: #000000; text-align: left; margin-left: 0px; margin-right: auto;" /></div>

        <div style="font-family: 'Times New Roman';"><br />
        </div>

        <div>
          <div>
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    <td style="width: 18pt; font-family: 'Times New Roman';">&#160;</td>

    <td style="vertical-align: top; width: 18pt; font-family: 'Times New Roman';">
                    <div style="font-size: 10pt;">(1)</div>
                  </td>

    <td style="vertical-align: top; width: auto; font-family: 'Times New Roman';">
                    <div style="font-size: 10pt;">Aggregate fees billed for professional services rendered for the audit of the Company&#8217;s consolidated annual financial statements included in the Company&#8217;s Annual Report on Form 10-K and for the reviews of
                      the Company&#8217;s consolidated financial statements included in the Company&#8217;s Quarterly Reports on Form 10-Q.</div>
                  </td>

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</table>
          </div>

        </div>

        <div style="font-family: 'Times New Roman';"><br />
        </div>

        <div>
          <div>
            <table cellspacing="0" cellpadding="0" class="DSPFListTable" style="width: 100%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;">


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    <td style="width: 18pt; font-family: 'Times New Roman';">&#160;</td>

    <td style="vertical-align: top; width: 18pt; font-family: 'Times New Roman';">
                    <div style="font-size: 10pt;">(2)</div>
                  </td>

    <td style="vertical-align: top; width: auto; font-family: 'Times New Roman';">
                    <div style="font-size: 10pt;">Consultation fees billed for professional services rendered for: a) 2021, primarily, on business combination accounting and review of acquisition accounting; b) 2020, primarily, on proposed business
                      combination.</div>
                  </td>

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        </div>

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    <td style="width: 18pt; font-family: 'Times New Roman';">&#160;</td>

    <td style="vertical-align: top; width: 18pt; font-family: 'Times New Roman';">
                    <div style="font-size: 10pt;">(3)</div>
                  </td>

    <td style="vertical-align: top; width: auto; font-family: 'Times New Roman';">
                    <div style="font-size: 10pt;">Aggregate fees billed for tax compliance and tax-related services.</div>
                  </td>

  </tr>


</table>
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      </div>

      <div> <span style="font-family: 'Times New Roman';"><br />
        </span></div>

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    <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
      <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">18</span></div>

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        <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

      </div>

    </div>

    <div style="text-align: center; font-weight: bold;">PART IV</div>

    <div>
      <div><br />
      </div>

      <a id="ITEM15."><!--Anchor--></a>
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    <td style="width: 57.25pt; vertical-align: top; font-weight: bold;">ITEM 15.</td>

    <td style="width: auto; vertical-align: top;">
              <div style="font-weight: bold;">EXHIBITS&#160; AND&#160; FINANCIAL&#160; STATEMENT SCHEDULES</div>
            </td>

  </tr>


</table>
      <div><br />
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    <td style="width: 27.1pt;"><br />
            </td>

    <td style="width: 26.65pt; vertical-align: top;">(b)</td>

    <td style="width: auto; vertical-align: top;">
              <div>List of Exhibits</div>
            </td>

  </tr>


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

      <div style="margin-left: 27pt;">Exhibit No.</div>

      <div>&#160;</div>

      <table cellspacing="0" cellpadding="0" border="0" style="border-collapse: collapse; width: 100%; color: #000000; font-family: 'Times New Roman'; font-size: 10pt; text-align: left;">


  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465914080424/a14-19742_1ex3d1.htm">3.1</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Certificate of Incorporation of Registrant and all amendments thereto (Exhibit 3.1 to Form 10-K filed by Registrant on April 2, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465920097959/tm2026212d2_ex3-2.htm">3.2</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Bylaws of Registrant (Exhibit 3.2 to Form 8&#8209;K filed by Registrant on August 24, 2020)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465919049704/a19-18521_1ex3d1.htm">3.3</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Certificate of Designations for the Series B Junior Participating Preferred Stock (Exhibit 3.1 to Form 8-K filed by Registrant on September 10, 2019)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036122014670/brhc10036345_ex4-1.htm"><span style="font-family: 'Times New Roman';">4.1</span></a><span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Description of Registrant&#8217;s Securities Registered Pursuant to Section 12 of the Securities Exchange Act of 1934</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465919049704/a19-18521_1ex4d1.htm">4.2</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Rights Agreement between Broadway Financial Corporation and Computershare Trust Company, N.A., as rights agent (Exhibit 4.1 to Form 8-K filed by Registrant on September 10, 2020)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465920098621/a20-29334_2ex4d1.htm">4.2.1</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Amendment to Rights Agreement, dated as of August 25, 2021, by and between Broadway Financial Corporation and Computershare Trust Company, N.A. (Exhibit 4.1 to Form 8-K file by Registrant
                on August 26, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746916011660/a2227960zex-10_1.htm">10.1**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Broadway Federal Bank Employee Stock Ownership Plan (Exhibit 10.1 to Form 10&#8209;K filed by Registrant on March 28, 2016)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465916139308/a16-11507_1ex10d3.htm">10.2**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Amended and Restated Broadway Financial Corporation 2008 Long Term Incentive Plan (Exhibit 10.3 to Form 10&#8209;Q filed by Registrant on August 12, 2016)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000110465916139308/a16-11507_1ex10d1.htm">10.3**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Amended Form of Stock Option Agreement for stock options granted pursuant to Amended and Restated Broadway Financial Corporation 2008 Long&#8209;Term Incentive Plan (Exhibit 10.1 to Form 10&#8209;Q
                filed by Registrant on August 12, 2016)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_5.htm">10.5**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Broadway Financial Corporation 2018 Long&#8209;Term Incentive Plan (Exhibit 10.5 to Form 10-K filed by Registrant on March 29, 2020)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_6.htm">10.6**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Form of Award Agreement for grants of restricted stock pursuant to Broadway Financial Corporation 2018 Long&#8209;Term Incentive Plan&#160; (Exhibit 10.6 to Form 10-K filed by Registrant on March
                29, 2020)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_7.htm">10.7**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Employment Agreement, dated as of March 22, 2017, for Wayne&#8209;Kent A. Bradshaw (Exhibit 10.7 to Form 10-K filed by Registrant on March 29, 2020)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_10.htm">10.10**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Award Agreement, dated as of February 27, 2020 for grant of restricted stock to Wayne&#8209;Kent A. Bradshaw pursuant to Broadway Financial Corporation 2018 Long&#8209;Term Incentive Plan&#160; (Exhibit
                10.10 to Form 10-K filed by Registrant on March 29, 2020)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_11.htm">10.11**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Employment Agreement, dated as of May 1, 2017, for Brenda J. Battey&#160; (Exhibit 10.11 to Form 10-K filed by Registrant on March 29, 2020)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001184/brhc10018952_ex10-1.htm">10.11.1**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Amendment to Employment Agreement for Brenda J. Battey, dated as of January 14, 2021 (Exhibit 10.1 to form 8-K filed by Registrant on January 14, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001184/brhc10018952_ex10-2.htm">10.12**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Employment Agreement, dated as of May 1, 2017, for Norman Bellefeuille&#160; (Exhibit 10.12 to Form 10-K filed by Registrant on March 29, 2020)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001184/brhc10018952_ex10-2.htm">10.12.1**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Amendment to Employment Agreement for Norman Bellefeuille, dated as of January 14, 2021 (Exhibit 10.2 to form 8-K filed by Registrant on January 14, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746919001784/a2238270zex-10_13.htm">10.13**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Employment Agreement, dated as of May 1, 2017, for Ruth McCloud&#160; (Exhibit 10.13 to Form 10-K filed by Registrant on March 29, 2020)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001184/brhc10018952_ex10-3.htm">10.13.1**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Amendment to Employment Agreement for Ruth McCloud, dated as of January 14, 2021 (Exhibit 10.3 to form 8-K filed by Registrant on January 14, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/0001001171/000114036121011100/brhc10022486_ex10-14.htm">10.14**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Broadway Federal Bank Incentive Compensation Plan (Exhibit 10.14 to Form 10-K filed by the Registrant on March 29, 2019)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121038570/brhc10030976_ex10-1.htm">10.15**</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Employment Agreement, dated and effective as of November 17, 2021, between Registrant and Brian E. Argrett (Exhibit 10.1 to Form 8-K filed by Registrant on November 18, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746917002044/a2231455zex-10_8.htm">10.16</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of December 21, 2016, entered between First Republic Bank and Registrant (Exhibit 10.8 to Form 10&#8209;K filed by Registrant on March 27, 2017)</div>
            </td>

  </tr>


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        <div style="page-break-after:always;" class="DSPFPageBreak">
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          <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

        </div>

      </div>

      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">


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    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121011100/brhc10022486_ex10-30.htm">10.17</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of February 19, 2021, entered between Butterfield Trust (Bermuda) Limited as trustee of each of the following: The Lorraine Grace Will Trust, The Anne
                Grace Kelly Trust 99, The Gwendolyn Grace Trust 99, The Lorraine L. Grace Trust 99, and The Ruth Grace Jervis Millennium Trust and Registrant (Exhibit 10.30 to Form 10-K filed by Registrant on March 31, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746917002044/a2231455zex-10_12.htm">10.18</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">ESOP Loan Agreement and ESOP Pledge Agreement, each dated as of December 19, 2016, entered into between Registrant and Miguel Paredes, as trustee for the Broadway Federal Bank, f.s.b.,
                Employee Stock Ownership Plan Trust, and related Promissory Note, dated as of December 19, 2016 (Exhibit 10.12 to Form 10&#8209;K filed by Registrant on March 27, 2017)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001342/nt10015880x1_ex10-15.htm">10.19</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of November 23, 2020, entered between Banc of America Strategic Investments Corporation and Registrant (Exhibit 10.15 to Registration Statement on S-4
                filed by Registrant on January 19, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001342/nt10015880x1_ex10-14.htm">10.20</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of November 23, 2020, entered between Cedars-Sinai Medical Center and Registrant (Exhibit 10.14 to Registration Statement on S-4 filed by Registrant on
                January 19, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121001342/nt10015880x1_ex10-16.htm">10.21</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of November 24, 2020, entered between Wells Fargo Central Pacific Holdings, Inc. and Registrant (Exhibit 10.16 to Registration Statement on S-4 filed by
                Registrant on January 19, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121011100/brhc10022486_ex10-24.htm">10.22</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of February 19, 2021, entered between Ally Ventures, a business unit of Ally Financial Inc., and Registrant (Exhibit 10.24 to Form 10-K filed by
                Registrant on March 31, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121011100/brhc10022486_ex10-25.htm">10.23</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of February 19, 2021, entered between Banner Bank and Registrant (Exhibit 10.25 to Form 10-K filed by Registrant on March 31, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121011100/brhc10022486_ex10-26.htm">10.24</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of February 19, 2021, entered between Citicorp Banking Corporation and Registrant (Exhibit 10.26 to Form 10-K filed by Registrant on March 31, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000104746917002044/a2231455zex-10_8.htm">10.25</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of February 19, 2021, entered between First Republic Bank and Registrant (Exhibit 10.8 to Form 10&#8209;K filed by Registrant on March 27, 2017)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121011100/brhc10022486_ex10-28.htm">10.26</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of February 19, 2021, entered between Gerald I. White and Registrant (Exhibit 10.28 to Form 10-K filed by Registrant on March 31, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121011100/brhc10022486_ex10-28.htm">10.27</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of February 19, 2021, entered between Gerald I. White, in his capacity as the trustee for the Grace &amp; White, Inc. Profit Sharing Plan, and
                Registrant (Exhibit 10.28 to Form 10-K filed by Registrant on March 31, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121011100/brhc10022486_ex10-30.htm">10.28</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of February 19, 2021, entered between Registrant and Butterfield Trust (Bermuda) Limited as trustee of each of the following: The Lorraine Grace Will
                Trust, The Anne Grace Kelly Trust 99, The Gwendolyn Grace Trust 99, The Lorraine L. Grace Trust 99, and The Ruth Grace Jervis Millennium Trust (Exhibit 10.30 to Form 10-K filed by Registrant on March 31, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121011100/brhc10022486_ex10-31.htm">10.29</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of February 19, 2021, entered between Texas Capital Community Development Corporation and Registrant (Exhibit 10.31 to Form 10-K filed by Registrant on
                March 31, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036121011100/brhc10022486_ex10-32.htm">10.30</a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Stock Purchase Agreement, dated as of February 20, 2021, entered between J.P. Morgan Chase Community Development Corporation and Registrant (Exhibit 10.32 to Form 10-K filed by Registrant
                on March 31, 2021)</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036122014670/brhc10036345_ex21-1.htm"><span style="font-family: 'Times New Roman';">21.1</span></a><span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">List of Subsidiaries</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036122014670/brhc10036345_ex23-1.htm"><span style="font-family: 'Times New Roman';">23.1</span></a><span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Consent of Moss Adams LLP</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036122014670/brhc10036345_ex31-1.htm"><span style="font-family: 'Times New Roman';">31.1</span></a><span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes&#8209;Oxley Act of 2002</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036122014670/brhc10036345_ex31-2.htm"><span style="font-family: 'Times New Roman';">31.2</span></a><span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes&#8209;Oxley Act of 2002</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;"><a href="brhc10037033_ex31-3.htm"><span style="font-family: 'Times New Roman';">31.3</span></a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Certification of Chief Executive Officer pursuant to Section 302 of the Sarbanes&#8209;Oxley Act of 2002</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;"><a href="brhc10037033_ex31-4.htm"><span style="font-family: 'Times New Roman';">31.4</span></a></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Certification of Chief Financial Officer pursuant to Section 302 of the Sarbanes&#8209;Oxley Act of 2002</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036122014670/brhc10036345_ex32-1.htm"><span style="font-family: 'Times New Roman';">32.1</span></a><span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes&#8209;Oxley Act of 2002</div>
            </td>

  </tr>

  <tr>

    <td rowspan="1" style="width: 10%; vertical-align: top;">&#160;</td>

    <td rowspan="1" style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td rowspan="1" style="width: 68%; vertical-align: top;">&#160;</td>

  </tr>


</table>
      <div> <br />
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      <div><br />
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      <div> <br />
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      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
        <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">20</span></div>

        <div style="page-break-after: always;" class="DSPFPageBreak">
          <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" /></div>

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          <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

        </div>

      </div>

      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: rgb(0, 0, 0);">


  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; font-family: 'Times New Roman',Times,serif;"><a href="https://www.sec.gov/Archives/edgar/data/1001171/000114036122014670/brhc10036345_ex32-2.htm"><span style="font-family: 'Times New Roman';">32.2</span></a><span style="font-family: 'Times New Roman'; color: rgb(0, 0, 0);">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="color: rgb(0, 0, 0);">Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes&#8209;Oxley Act of 2002</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; text-align: center;">&#160;</td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; color: rgb(0, 0, 0);">101.INS<span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">XBRL Instance Document</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center; color: rgb(0, 0, 0);">101.SCH<span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">XBRL Taxonomy Extension Schema Document</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; color: rgb(0, 0, 0);">101.CAL<span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">XBRL Taxonomy Extension Calculation Linkbase Document</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center; color: rgb(0, 0, 0);">101.DEF<span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">XBRL Taxonomy Extension Definitions Linkbase Document</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: center; color: rgb(0, 0, 0);">101.LAB<span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top; background-color: rgb(204, 238, 255);">&#160;</td>

    <td style="width: 68%; vertical-align: top; background-color: rgb(204, 238, 255);">
              <div style="text-align: justify; color: rgb(0, 0, 0);">XBRL Taxonomy Extension Label Linkbase Document</div>
            </td>

  </tr>

  <tr>

    <td style="width: 10%; vertical-align: top;">
              <div style="text-align: center; color: rgb(0, 0, 0);">101.PRE<span style="font-family: 'Times New Roman';">&#94;</span></div>
            </td>

    <td style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td style="width: 68%; vertical-align: top;">
              <div style="text-align: justify; color: rgb(0, 0, 0);">XBRL Taxonomy Extension Presentation Linkbase Document</div>
            </td>

  </tr>

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    <td rowspan="1" style="width: 10%; vertical-align: top;">&#160;</td>

    <td rowspan="1" style="width: 2.29%; vertical-align: top;">&#160;</td>

    <td rowspan="1" style="width: 68%; vertical-align: top;">&#160;</td>

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</table>
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    <td style="width: 18pt;"><br />
            </td>

    <td style="width: 36pt; vertical-align: top; color: rgb(0, 0, 0);">*</td>

    <td style="width: auto; vertical-align: top;">
              <div style="color: rgb(0, 0, 0);">Exhibits followed by a parenthetical reference are incorporated by reference herein from the document filed by the Registrant with the SEC described therein. Except as otherwise indicated, the SEC File No.
                for each incorporated document is 000&#8209;27464.</div>
            </td>

  </tr>


</table>
      <div><br />
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      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


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    <td style="width: 18pt;"><br />
            </td>

    <td style="width: 36pt; vertical-align: top; color: rgb(0, 0, 0);">&#160;**</td>

    <td style="width: auto; vertical-align: top;">
              <div style="color: rgb(0, 0, 0);">Management contract or compensatory plan or arrangement.</div>
            </td>

  </tr>


</table>
      <div><br />
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      <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">


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    <td style="width: 18pt;"><br />
            </td>

    <td style="width: 36pt; vertical-align: top; color: rgb(0, 0, 0);">&#94;</td>

    <td style="width: auto; vertical-align: top;">
              <div style="color: rgb(0, 0, 0);">Previously filed with the Company&#8217;s 2021 Form 10-K, originally filed with the SEC on April 15, 2022, which is being amended hereby.</div>
            </td>

  </tr>


</table>
      <div><br />
      </div>

      <div style="clear: both; margin-top: 10pt; margin-bottom: 10pt;" class="DSPFPageBreakArea">
        <div style="text-align: center;" class="DSPFPageNumberArea"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">21</span></div>

        <div style="page-break-after: always;" class="DSPFPageBreak">
          <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" /></div>

        <div style="width: 100%;" class="DSPFPageHeader">
          <div style="font-weight: normal; color: rgb(0, 0, 0); font-family: 'Times New Roman'; font-size: 8pt; font-style: italic; font-variant: normal; text-transform: none;"><span style="text-decoration: underline;"><a href="#TABLEOFCONTENTS">Table of Contents</a></span></div>

        </div>

      </div>

      <div style="text-align: center; font-weight: bold;">SIGNATURES</div>

      <div>&#160;</div>

      <div>Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this amendment to be signed on its behalf by the undersigned, thereunto duly authorized.</div>

      <div>&#160;</div>

      <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">


  <tr>

    <td style="width: 50%; vertical-align: top;">&#160;</td>

    <td colspan="3" style="vertical-align: top;">
              <div>BROADWAY&#160; FINANCIAL&#160; CORPORATION</div>
            </td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top;">&#160;</td>

    <td style="width: 3%; vertical-align: top;">&#160;</td>

    <td colspan="2" style="vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top; padding-bottom: 2px;">&#160;</td>

    <td style="width: 3%; vertical-align: top; padding-bottom: 2px;">
              <div>By:</div>
            </td>

    <td style="width: 28%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Brenda J. Battey </td>

    <td style="width: 19%; vertical-align: top; padding-bottom: 2px;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top;">&#160;</td>

    <td style="width: 3%; vertical-align: top;">&#160;</td>

    <td colspan="2" style="vertical-align: top;">
              <div>Brenda J. Battey</div>
            </td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top;">&#160;</td>

    <td style="width: 3%; vertical-align: top;">&#160;</td>

    <td colspan="2" style="vertical-align: top;">
              <div>Chief Financial Officer</div>
            </td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top;">&#160;</td>

    <td style="width: 3%; vertical-align: top;">&#160;</td>

    <td colspan="2" style="vertical-align: top;">&#160;</td>

  </tr>

  <tr>

    <td style="width: 50%; vertical-align: top;">&#160;</td>

    <td style="width: 3%; vertical-align: top;">
              <div>Date:</div>
            </td>

    <td colspan="2" style="vertical-align: top;">
              <div style="margin-left: 9pt;">May 2, 2022</div>
            </td>

  </tr>


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

    </div>

    <div style="text-align: center;">&#160;</div>

    <div style="text-align: center;"><span style="font-size: 8pt; color: #000000; font-weight: normal; font-style: normal;" class="DSPFPageNumber">22</span> </div>

    <div>
      <hr style="height: 2px; color: #000000; background-color: #000000; text-align: center; border: none; margin-left: auto; margin-right: auto;" /></div>

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</body>
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<TYPE>EX-31.3
<SEQUENCE>2
<FILENAME>brhc10037033_ex31-3.htm
<DESCRIPTION>EXHIBIT 31.3
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  <head>
    <title></title>
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         Document created using EDGARfilings PROfile 8.2.0.0
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;">
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    <div style="text-align: right; font-weight: bold;">
      <hr noshade="noshade" align="center" style="height: 4px; color: #000000; background-color: #000000; text-align: center; margin-left: auto; margin-right: auto; border: none;">Exhibit 31.3</div>
    <div>&#160;</div>
    <div style="text-align: center; font-weight: bold;">SECTION&#160; 302 </div>
    <div style="text-align: center; font-weight: bold;">CERTIFICATION</div>
    <div>&#160;</div>
    <div>I, Brian Argrett, certify that:</div>
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    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">

        <tr>
          <td style="width: 18pt; vertical-align: top;">1.</td>
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            <div>I have reviewed this Amendment No. 1 to the annual report on Form 10-K of Broadway Financial Corporation&#894;</div>
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          <td style="width: 18pt; vertical-align: top;">2.</td>
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            <div>Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not
              misleading with respect to the period covered by this report.</div>
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            <div style="text-align: justify;">Date:&#160; May 2, 2022</div>
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          <td style="width: 72%; vertical-align: top;">&#160;</td>
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          <td style="width: 25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Brian E. Argrett </td>
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            <div>By:</div>
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            <div>Brian E. Argrett</div>
            <div>Chief Executive Officer</div>
            <div>Broadway Financial Corporation</div>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.4
<SEQUENCE>3
<FILENAME>brhc10037033_ex31-4.htm
<DESCRIPTION>EXHIBIT 31.4
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Summit, a Broadridge Company
         Document created using EDGARfilings PROfile 8.2.0.0
         Copyright 1995 - 2022 Broadridge -->
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<body bgcolor="#ffffff" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; text-align: left; color: #000000;">
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      <br>
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    <div style="text-align: center; font-weight: bold;">SECTION&#160; 302 </div>
    <div style="text-align: center; font-weight: bold;">CERTIFICATION</div>
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    <div>I, Brenda Battey, certify that:</div>
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        <tr>
          <td style="width: 18pt; vertical-align: top;">1.</td>
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            <div>I have reviewed this Amendment No. 1 to the annual report on Form 10-K of Broadway Financial Corporation&#894;</div>
          </td>
        </tr>

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    <div><br>
    </div>
    <table cellspacing="0" cellpadding="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; text-align: left; color: #000000;" class="DSPFListTable">

        <tr>
          <td style="width: 18pt; vertical-align: top;">2.</td>
          <td style="width: auto; vertical-align: top;">
            <div>Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not
              misleading with respect to the period covered by this report.</div>
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        </tr>

    </table>
    <div><br>
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    <table cellspacing="0" cellpadding="0" border="0" style="font-family: 'Times New Roman'; font-size: 10pt; width: 100%; border-collapse: collapse; text-align: left; color: #000000;">

        <tr>
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            <div style="text-align: justify;">Date:&#160; May 2, 2022</div>
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          <td style="width: 72%; vertical-align: top;">&#160;</td>
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        <tr>
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          <td style="width: 25%; vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);">/s/ Brenda J Battey </td>
          <td style="width: 72%; vertical-align: top; padding-bottom: 2px;">&#160;</td>
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        <tr>
          <td style="width: 3%; vertical-align: top;">
            <div>By:</div>
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          <td style="width: 25%; vertical-align: top;">
            <div>Brenda J Battey</div>
            <div>Chief Financial Officer</div>
            <div>Broadway Financial Corporation</div>
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          <td style="width: 72%; vertical-align: top;">&#160;</td>
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<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>4
<FILENAME>byfc-20211231.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>6
<FILENAME>byfc-20211231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!--Generated by EDGARfilings PROfile 8.0.0.0 Broadridge-->
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    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_AmendmentFlag" xlink:label="AmendmentFlag" xlink:title="AmendmentFlag" />
    <link:label xlink:type="resource" xlink:label="dei_AmendmentFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_AmendmentFlag_lbl" xml:lang="en-US" id="dei_AmendmentFlag_lbl">Amendment Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" xlink:title="label: AmendmentFlag to dei_AmendmentFlag_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_IcfrAuditorAttestationFlag" xlink:label="IcfrAuditorAttestationFlag" xlink:title="IcfrAuditorAttestationFlag" />
    <link:label xlink:type="resource" xlink:label="dei_IcfrAuditorAttestationFlag_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_IcfrAuditorAttestationFlag_lbl" xml:lang="en-US" id="dei_IcfrAuditorAttestationFlag_lbl">ICFR Auditor Attestation Flag</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IcfrAuditorAttestationFlag" xlink:to="dei_IcfrAuditorAttestationFlag_lbl" xlink:title="label: IcfrAuditorAttestationFlag to dei_IcfrAuditorAttestationFlag_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalYearFocus" xlink:label="DocumentFiscalYearFocus" xlink:title="DocumentFiscalYearFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalYearFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalYearFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalYearFocus_lbl">Document Fiscal Year Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalYearFocus" xlink:to="dei_DocumentFiscalYearFocus_lbl" xlink:title="label: DocumentFiscalYearFocus to dei_DocumentFiscalYearFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="DocumentFiscalPeriodFocus" xlink:title="DocumentFiscalPeriodFocus" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentFiscalPeriodFocus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentFiscalPeriodFocus_lbl" xml:lang="en-US" id="dei_DocumentFiscalPeriodFocus_lbl">Document Fiscal Period Focus</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentFiscalPeriodFocus" xlink:to="dei_DocumentFiscalPeriodFocus_lbl" xlink:title="label: DocumentFiscalPeriodFocus to dei_DocumentFiscalPeriodFocus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_DocumentPeriodEndDate" xlink:label="DocumentPeriodEndDate" xlink:title="DocumentPeriodEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_DocumentPeriodEndDate_lbl" xml:lang="en-US" id="dei_DocumentPeriodEndDate_lbl">Document Period End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" xlink:title="label: DocumentPeriodEndDate to dei_DocumentPeriodEndDate_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityRegistrantName" xlink:label="EntityRegistrantName" xlink:title="EntityRegistrantName" />
    <link:label xlink:type="resource" xlink:label="dei_EntityRegistrantName_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityRegistrantName_lbl" xml:lang="en-US" id="dei_EntityRegistrantName_lbl">Entity Registrant Name</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" xlink:title="label: EntityRegistrantName to dei_EntityRegistrantName_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCentralIndexKey" xlink:label="EntityCentralIndexKey" xlink:title="EntityCentralIndexKey" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCentralIndexKey_lbl" xml:lang="en-US" id="dei_EntityCentralIndexKey_lbl">Entity Central Index Key</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" xlink:title="label: EntityCentralIndexKey to dei_EntityCentralIndexKey_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFileNumber" xlink:label="EntityFileNumber" xlink:title="EntityFileNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFileNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFileNumber_lbl" xml:lang="en-US" id="dei_EntityFileNumber_lbl">Entity File Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" xlink:title="label: EntityFileNumber to dei_EntityFileNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityTaxIdentificationNumber" xlink:label="EntityTaxIdentificationNumber" xlink:title="EntityTaxIdentificationNumber" />
    <link:label xlink:type="resource" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityTaxIdentificationNumber_lbl" xml:lang="en-US" id="dei_EntityTaxIdentificationNumber_lbl">Entity Tax Identification Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" xlink:title="label: EntityTaxIdentificationNumber to dei_EntityTaxIdentificationNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityIncorporationStateCountryCode" xlink:label="EntityIncorporationStateCountryCode" xlink:title="EntityIncorporationStateCountryCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityIncorporationStateCountryCode_lbl" xml:lang="en-US" id="dei_EntityIncorporationStateCountryCode_lbl">Entity Incorporation, State or Country Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" xlink:title="label: EntityIncorporationStateCountryCode to dei_EntityIncorporationStateCountryCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CurrentFiscalYearEndDate" xlink:label="CurrentFiscalYearEndDate" xlink:title="CurrentFiscalYearEndDate" />
    <link:label xlink:type="resource" xlink:label="dei_CurrentFiscalYearEndDate_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CurrentFiscalYearEndDate_lbl" xml:lang="en-US" id="dei_CurrentFiscalYearEndDate_lbl">Current Fiscal Year End Date</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CurrentFiscalYearEndDate" xlink:to="dei_CurrentFiscalYearEndDate_lbl" xlink:title="label: CurrentFiscalYearEndDate to dei_CurrentFiscalYearEndDate_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="EntityWellKnownSeasonedIssuer" xlink:title="EntityWellKnownSeasonedIssuer" />
    <link:label xlink:type="resource" xlink:label="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityWellKnownSeasonedIssuer_lbl" xml:lang="en-US" id="dei_EntityWellKnownSeasonedIssuer_lbl">Entity Well-known Seasoned Issuer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityWellKnownSeasonedIssuer" xlink:to="dei_EntityWellKnownSeasonedIssuer_lbl" xlink:title="label: EntityWellKnownSeasonedIssuer to dei_EntityWellKnownSeasonedIssuer_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityVoluntaryFilers" xlink:label="EntityVoluntaryFilers" xlink:title="EntityVoluntaryFilers" />
    <link:label xlink:type="resource" xlink:label="dei_EntityVoluntaryFilers_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityVoluntaryFilers_lbl" xml:lang="en-US" id="dei_EntityVoluntaryFilers_lbl">Entity Voluntary Filers</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityVoluntaryFilers" xlink:to="dei_EntityVoluntaryFilers_lbl" xlink:title="label: EntityVoluntaryFilers to dei_EntityVoluntaryFilers_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityCurrentReportingStatus" xlink:label="EntityCurrentReportingStatus" xlink:title="EntityCurrentReportingStatus" />
    <link:label xlink:type="resource" xlink:label="dei_EntityCurrentReportingStatus_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityCurrentReportingStatus_lbl" xml:lang="en-US" id="dei_EntityCurrentReportingStatus_lbl">Entity Current Reporting Status</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityCurrentReportingStatus" xlink:to="dei_EntityCurrentReportingStatus_lbl" xlink:title="label: EntityCurrentReportingStatus to dei_EntityCurrentReportingStatus_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityShellCompany" xlink:label="EntityShellCompany" xlink:title="EntityShellCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityShellCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityShellCompany_lbl" xml:lang="en-US" id="dei_EntityShellCompany_lbl">Entity Shell Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityShellCompany" xlink:to="dei_EntityShellCompany_lbl" xlink:title="label: EntityShellCompany to dei_EntityShellCompany_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityFilerCategory" xlink:label="EntityFilerCategory" xlink:title="EntityFilerCategory" />
    <link:label xlink:type="resource" xlink:label="dei_EntityFilerCategory_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityFilerCategory_lbl" xml:lang="en-US" id="dei_EntityFilerCategory_lbl">Entity Filer Category</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityFilerCategory" xlink:to="dei_EntityFilerCategory_lbl" xlink:title="label: EntityFilerCategory to dei_EntityFilerCategory_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntitySmallBusiness" xlink:label="EntitySmallBusiness" xlink:title="EntitySmallBusiness" />
    <link:label xlink:type="resource" xlink:label="dei_EntitySmallBusiness_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntitySmallBusiness_lbl" xml:lang="en-US" id="dei_EntitySmallBusiness_lbl">Entity Small Business</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntitySmallBusiness" xlink:to="dei_EntitySmallBusiness_lbl" xlink:title="label: EntitySmallBusiness to dei_EntitySmallBusiness_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityEmergingGrowthCompany" xlink:label="EntityEmergingGrowthCompany" xlink:title="EntityEmergingGrowthCompany" />
    <link:label xlink:type="resource" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityEmergingGrowthCompany_lbl" xml:lang="en-US" id="dei_EntityEmergingGrowthCompany_lbl">Entity Emerging Growth Company</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" xlink:title="label: EntityEmergingGrowthCompany to dei_EntityEmergingGrowthCompany_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityPublicFloat" xlink:label="EntityPublicFloat" xlink:title="EntityPublicFloat" />
    <link:label xlink:type="resource" xlink:label="dei_EntityPublicFloat_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityPublicFloat_lbl" xml:lang="en-US" id="dei_EntityPublicFloat_lbl">Entity Public Float</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityPublicFloat" xlink:to="dei_EntityPublicFloat_lbl" xlink:title="label: EntityPublicFloat to dei_EntityPublicFloat_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine1" xlink:label="EntityAddressAddressLine1" xlink:title="EntityAddressAddressLine1" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine1_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine1_lbl">Entity Address, Address Line One</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" xlink:title="label: EntityAddressAddressLine1 to dei_EntityAddressAddressLine1_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressAddressLine2" xlink:label="EntityAddressAddressLine2" xlink:title="EntityAddressAddressLine2" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressAddressLine2_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressAddressLine2_lbl" xml:lang="en-US" id="dei_EntityAddressAddressLine2_lbl">Entity Address, Address Line Two</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressAddressLine2" xlink:to="dei_EntityAddressAddressLine2_lbl" xlink:title="label: EntityAddressAddressLine2 to dei_EntityAddressAddressLine2_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressCityOrTown" xlink:label="EntityAddressCityOrTown" xlink:title="EntityAddressCityOrTown" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressCityOrTown_lbl" xml:lang="en-US" id="dei_EntityAddressCityOrTown_lbl">Entity Address, City or Town</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" xlink:title="label: EntityAddressCityOrTown to dei_EntityAddressCityOrTown_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressStateOrProvince" xlink:label="EntityAddressStateOrProvince" xlink:title="EntityAddressStateOrProvince" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressStateOrProvince_lbl" xml:lang="en-US" id="dei_EntityAddressStateOrProvince_lbl">Entity Address, State or Province</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" xlink:title="label: EntityAddressStateOrProvince to dei_EntityAddressStateOrProvince_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityAddressPostalZipCode" xlink:label="EntityAddressPostalZipCode" xlink:title="EntityAddressPostalZipCode" />
    <link:label xlink:type="resource" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityAddressPostalZipCode_lbl" xml:lang="en-US" id="dei_EntityAddressPostalZipCode_lbl">Entity Address, Postal Zip Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" xlink:title="label: EntityAddressPostalZipCode to dei_EntityAddressPostalZipCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_CityAreaCode" xlink:label="CityAreaCode" xlink:title="CityAreaCode" />
    <link:label xlink:type="resource" xlink:label="dei_CityAreaCode_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_CityAreaCode_lbl" xml:lang="en-US" id="dei_CityAreaCode_lbl">City Area Code</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CityAreaCode" xlink:to="dei_CityAreaCode_lbl" xlink:title="label: CityAreaCode to dei_CityAreaCode_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_LocalPhoneNumber" xlink:label="LocalPhoneNumber" xlink:title="LocalPhoneNumber" />
    <link:label xlink:type="resource" xlink:label="dei_LocalPhoneNumber_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_LocalPhoneNumber_lbl" xml:lang="en-US" id="dei_LocalPhoneNumber_lbl">Local Phone Number</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" xlink:title="label: LocalPhoneNumber to dei_LocalPhoneNumber_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityListingsTable" xlink:label="EntityListingsTable" xlink:title="EntityListingsTable" />
    <link:label xlink:type="resource" xlink:label="dei_EntityListingsTable_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityListingsTable_lbl" xml:lang="en-US" id="dei_EntityListingsTable_lbl">Entity Listings [Table]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityListingsTable" xlink:to="dei_EntityListingsTable_lbl" xlink:title="label: EntityListingsTable to dei_EntityListingsTable_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_EntityListingsLineItems" xlink:label="EntityListingsLineItems" xlink:title="EntityListingsLineItems" />
    <link:label xlink:type="resource" xlink:label="dei_EntityListingsLineItems_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_EntityListingsLineItems_lbl" xml:lang="en-US" id="dei_EntityListingsLineItems_lbl">Entity Listings [Line Items]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="EntityListingsLineItems" xlink:to="dei_EntityListingsLineItems_lbl" xlink:title="label: EntityListingsLineItems to dei_EntityListingsLineItems_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_Security12bTitle" xlink:label="Security12bTitle" xlink:title="Security12bTitle" />
    <link:label xlink:type="resource" xlink:label="dei_Security12bTitle_lbl" xlink:role="http://www.xbrl.org/2003/role/label" xlink:title="dei_Security12bTitle_lbl" xml:lang="en-US" id="dei_Security12bTitle_lbl">Title of 12(b) Security</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="Security12bTitle" xlink:to="dei_Security12bTitle_lbl" xlink:title="label: Security12bTitle to dei_Security12bTitle_lbl" />
    <link:loc xlink:type="locator" xlink:href="https://xbrl.sec.gov/dei/2021q4/dei-2021q4.xsd#dei_TradingSymbol" xlink:label="TradingSymbol" xlink:title="TradingSymbol" />
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>7
<FILENAME>byfc-20211231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
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<span style="display: none;">v3.22.1</span><table class="report" border="0" cellspacing="2" id="idm140494278183992">
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<th class="tl" colspan="1" rowspan="2"><div style="width: 200px;"><strong>Document and Entity Information - USD ($)<br></strong></div></th>
<th class="th" colspan="1">12 Months Ended</th>
<th class="th" colspan="1"></th>
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<th class="th"><div>Dec. 31, 2021</div></th>
<th class="th"><div>Mar. 31, 2022</div></th>
<th class="th"><div>Jun. 30, 2021</div></th>
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<td class="text">Dec. 31,  2021<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">BROADWAY FINANCIAL CORPORATION<span></span>
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<td class="text">0001001171<span></span>
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<td class="text">95-4547287<span></span>
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<td class="text">4601 Wilshire Boulevard<span></span>
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<td class="text">Suite 150<span></span>
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<td class="text">90010<span></span>
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<td class="text">323<span></span>
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<td class="text">634-1700<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">Common Stock, par value $0.01 per share (including attached preferred stock purchase rights)<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">BYFC<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">&#160;<span></span>
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<td class="text">Non-accelerated Filer<span></span>
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<td class="text">false<span></span>
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<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityPublicFloat', window );">Entity Public Float</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">$ 54,555,000<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AuditorName', window );">Auditor Name</a></td>
<td class="text">Moss Adams LLP<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AuditorLocation', window );">Auditor Location</a></td>
<td class="text">Sacramento, California<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AuditorFirmId', window );">Auditor Firm ID</a></td>
<td class="text">659<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassAMember', window );">Class A Voting Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityListingsLineItems', window );"><strong>Entity Listings [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">45,788,946<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassBMember', window );">Class B Voting Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityListingsLineItems', window );"><strong>Entity Listings [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">11,404,618<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonClassCMember', window );">Class C Voting Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityListingsLineItems', window );"><strong>Entity Listings [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl custom" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCommonStockSharesOutstanding', window );">Entity Common Stock, Shares Outstanding</a></td>
<td class="text">&#160;<span></span>
</td>
<td class="nump">15,768,172<span></span>
</td>
<td class="text">&#160;<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorFirmId">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>PCAOB issued Audit Firm Identifier</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorFirmId</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:nonemptySequenceNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorLocation">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorLocation</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:internationalNameItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AuditorName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AuditorName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:internationalNameItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CurrentFiscalYearEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>End date of current fiscal year in the format --MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CurrentFiscalYearEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gMonthDayItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentAnnualReport">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true only for a form used as an annual report.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentAnnualReport</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalPeriodFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Fiscal period values are FY, Q1, Q2, and Q3.  1st, 2nd and 3rd quarter 10-Q or 10-QT statements have value Q1, Q2, and Q3 respectively, with 10-K, 10-KT or other fiscal year statements having FY.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalPeriodFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fiscalPeriodItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>This is focus fiscal year of the document report in YYYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentFiscalYearFocus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:gYearItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>For the EDGAR submission types of Form 8-K: the date of the report, the date of the earliest event reported; for the EDGAR submission types of Form N-1A: the filing date; for all other submission types: the end of the reporting or transition period.  The format of the date is YYYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentTransitionReport">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true only for a form used as a transition report.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Forms 10-K, 10-Q, 20-F<br> -Number 240<br> -Section 13<br> -Subsection a-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentTransitionReport</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine2">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 2 such as Street or Suite number</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine2</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCommonStockSharesOutstanding</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:sharesItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>instant</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCurrentReportingStatus</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate whether the registrant is one of the following: Large Accelerated Filer, Accelerated Filer, Non-accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFilerCategory</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:filerCategoryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityInteractiveDataCurrent">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation S-T<br> -Number 232<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityInteractiveDataCurrent</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:yesNoItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityListingsLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityListingsLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityPublicFloat">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The aggregate market value of the voting and non-voting common equity held by non-affiliates computed by reference to the price at which the common equity was last sold, or the average bid and asked price of such common equity, as of the last business day of the registrant's most recently completed second fiscal quarter.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityPublicFloat</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:monetaryItemType</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityShellCompany">
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the registrant is a shell company as defined in Rule 12b-2 of the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">dei_EntityShellCompany</td>
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<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicates that the company is a Smaller Reporting Company (SRC).</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<td style="white-space:nowrap;">dei_EntitySmallBusiness</td>
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<td><strong> Balance Type:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
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<td>dei_</td>
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<td>dei:employerIdItemType</td>
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<td><strong> Balance Type:</strong></td>
<td>na</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate 'Yes' or 'No' if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 405<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityWellKnownSeasonedIssuer</td>
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<td>dei_</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 10-K<br> -Number 249<br> -Section 310<br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 20-F<br> -Number 249<br> -Section 220<br> -Subsection f<br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Form 40-F<br> -Number 249<br> -Section 240<br> -Subsection f<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_IcfrAuditorAttestationFlag</td>
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<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
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<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
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<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
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      id="Fact_bc802cb1f1f0477a96ff3219180c9ada">2021</dei:DocumentFiscalYearFocus>
    <dei:DocumentFiscalPeriodFocus
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    <dei:SecurityExchangeName
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    <dei:DocumentAnnualReport
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      id="Fact_2f67313377dc400f931e55363e9edfde">true</dei:DocumentAnnualReport>
    <dei:DocumentPeriodEndDate
      contextRef="c20210101to20211231"
      id="Fact_a2974891207b4a5cbd894b937d8b32ca">2021-12-31</dei:DocumentPeriodEndDate>
    <dei:DocumentTransitionReport
      contextRef="c20210101to20211231"
      id="Fact_c52609c275f0484fb1f7a12ef7849a36">false</dei:DocumentTransitionReport>
    <dei:EntityFileNumber
      contextRef="c20210101to20211231"
      id="Fact_ed4fd6f9ae454b6b95068278c8545e12">001-39043</dei:EntityFileNumber>
    <dei:EntityRegistrantName
      contextRef="c20210101to20211231"
      id="Fact_91e396c48bbd44939ef4ca9c787ef8b4">BROADWAY FINANCIAL CORPORATION</dei:EntityRegistrantName>
    <dei:EntityIncorporationStateCountryCode
      contextRef="c20210101to20211231"
      id="Fact_245c26c6aa014dac880920270d7c556c">DE</dei:EntityIncorporationStateCountryCode>
    <dei:EntityTaxIdentificationNumber
      contextRef="c20210101to20211231"
      id="Fact_20693cf578fb4b7dad18777f297e7a26">95-4547287</dei:EntityTaxIdentificationNumber>
    <dei:EntityAddressAddressLine1
      contextRef="c20210101to20211231"
      id="Fact_1e8427b2438647d7b3b72a97d97c7964">4601 Wilshire Boulevard</dei:EntityAddressAddressLine1>
    <dei:EntityAddressAddressLine2
      contextRef="c20210101to20211231"
      id="Fact_81406dce9efd4d1aaac6d3708b726b08">Suite 150</dei:EntityAddressAddressLine2>
    <dei:EntityAddressCityOrTown
      contextRef="c20210101to20211231"
      id="Fact_d013101a9f124f958e548c1d26955f5b">Los Angeles</dei:EntityAddressCityOrTown>
    <dei:EntityAddressStateOrProvince
      contextRef="c20210101to20211231"
      id="Fact_31f5fa2e70944996bf7729715894a6b9">CA</dei:EntityAddressStateOrProvince>
    <dei:EntityAddressPostalZipCode
      contextRef="c20210101to20211231"
      id="Fact_03df3ce9b82e409f955e40cc4822f2fd">90010</dei:EntityAddressPostalZipCode>
    <dei:CityAreaCode
      contextRef="c20210101to20211231"
      id="Fact_eeff269d00314f988ffb0b308757c382">323</dei:CityAreaCode>
    <dei:LocalPhoneNumber
      contextRef="c20210101to20211231"
      id="Fact_735114c403864e9aba6a96d8f0aaf56c">634-1700</dei:LocalPhoneNumber>
    <dei:Security12bTitle
      contextRef="c20210101to20211231"
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    <dei:TradingSymbol
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    <dei:EntityWellKnownSeasonedIssuer
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    <dei:EntityVoluntaryFilers
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    <dei:EntityCurrentReportingStatus
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    <dei:EntityInteractiveDataCurrent
      contextRef="c20210101to20211231"
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    <dei:EntityFilerCategory
      contextRef="c20210101to20211231"
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    <dei:EntitySmallBusiness
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    <dei:EntityEmergingGrowthCompany
      contextRef="c20210101to20211231"
      id="Fact_29306fd404974f2680dae150732eb98c">false</dei:EntityEmergingGrowthCompany>
    <dei:IcfrAuditorAttestationFlag
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    <dei:EntityShellCompany
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    <dei:EntityPublicFloat
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      decimals="0"
      id="Fact_c7c83d9d031f411d8ebaee14aafc1139"
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    <dei:EntityCommonStockSharesOutstanding
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    <dei:EntityCommonStockSharesOutstanding
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    <dei:EntityCommonStockSharesOutstanding
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    <dei:AuditorName
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    <dei:AuditorLocation
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</xbrl>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EXCEL
<SEQUENCE>10
<FILENAME>Financial_Report.xlsx
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
