Metropolitan Bank MCB

Mr. DeFazio has more than 40 years of experience banking and real estate experience. Mr. DeFazio has overseen the steady growth of the Bank from its founding in 1999, to its initial public offering in 2017 and through to the present. Career Highlights-Metropolitan Bank Holding Corp. and Metropolitan Commercial Bank-Chief Executive Officer (appointed 2002 to Present); Founder and President (1999 to Present). Israel Discount Bank-Various positions, including Senior Vice President and Head of Commercial Real Estate (13 years).

Scott Lublin has served as Executive Vice President and Chief Lending Officer since April 2018. From January 2013 to April 2018, Mr. Lublin served as Executive Vice President at BankUnited, where he managed their New York City commercial real estate lending group. From 2008 until 2013, Mr. Lublin served as Senior Vice President of Metropolitan Commercial Bank's commercial real estate business. Mr. Lublin earned an MBA at Fordham University and a BS at SUNY Buffalo. Age 60.

Laura Capra has served as Executive Vice President and Head of Retail Banking since 2012. Prior to joining the Company, Ms. Capra was a Senior Vice President, District Executive at Sovereign/Santander Bank from 2006 until 2012. Ms. Capra spent the early years of her career with Independence Community Bank. Ms. Capra attended Middlesex County College. Age 58.

Nick Rosenberg has served as Executive Vice President and Chief Business Development Officer since June 2024. He previously served as Executive Vice President and Head of Global Payments from October 2018 to June 2024. Mr. Rosenberg joined the Company in 2001 and served as Executive Vice President and Chief Technology Officer from 2001 through October 2018. He is formally accredited as a Chartered Engineer and Member of the Institute of Engineering and Technology (UK) and Institute of Electrical and Electronics Engineers (USA). Mr. Rosenberg completed a postgraduate thesis in Development in Engineering and Technology and holds a BSc with Honors from the Open University (UK). Age 54.

Daniel Dougherty has served as Executive Vice President and Chief Financial Officer since November 2023. Mr. Dougherty previously served as Treasurer since 2022. Prior to joining the Bank, Mr. Dougherty served as Executive Vice President and Treasurer at Investors Bank from 2016 to 2022. Mr. Dougherty is a Chartered Financial Analyst, received an MBA from St. John's University and BA in Economics from Stony Brook University. Age 64.

Mr. Reinhardt served as Chair of the Board from 2018 until September 2025. While at the OCC, Mr. Reinhardt was responsible for regulatory oversight over more than 200 community and regional banks as well as federal branches. He served on numerous interagency committees to identify and address emerging issues in an effective manner. Career Highlights: Alvarez & Marsal Senior Director (2008 to 2025). Office of Comptroller of the Currency (OCC) Assistant Deputy Comptroller for Community Banks, Northeast District. Education: Degree from the Graduate School of Banking, University of Wisconsin, B.A., LIU Post (formerly known as C.W. Post Campus of Long Island University). On June 6, 2026, William Reinhardt provided notice of his retirement from the board of directors of Metropolitan Bank Holding Corp. and the board of directors of its wholly owned subsidiary, Metropolitan Commercial Bank, in each case effective immediately. In connection with Mr. Reinhardt's retirement from the Board, the Board designated him as director emeritus.

Mr. Mitchell has over 40 years of experience in retail banking. He has a deep knowledge of the communities and markets in which we operate and has also served on the boards of several Brooklyn non-profit and public interest organizations. Career Highlights- Dime Community Bank/Dime Community Bankshares-Executive Vice President and Chief Retail Officer (2010 to 2016); Sovereign Bank- Executive Vice President, Director of Retail Banking (2006 to 2008).Independence Community Bank/Independence Community Bank Corp.-Executive Vice President, President of Consumer Banking (1990 to 2006). Education- B.B.A., Iona College.

Mr. Gold was an equity analyst at a Wall Street firm for nearly two decades. Professional certifications and memberships include: Chartered Financial Analyst and member of the CFA Institute, Cyber Oversight CERT certificate (Software Engineering Institute of Carnegie Mellon University), National Association of Corporate Directors (member), Licensed Real Estate Broker and member of the Real Estate Board of New York. Career Highlights - AdvisIRy Partners Group LLC, consulting firm providing strategic and capital markets advisory services-Partner (2017 to Present); City of New York-New York City Commissioner of City Planning (appointed in 2022). Education-J.D., Benjamin N. Cardozo School of Law; B.S., New York University Stern School of Business.

Ms. Fredston has over 30 years of experience as in-house counsel to a wide range of financial service companies. Her experience includes financing transactions, mergers and acquisitions, banking and securities law, risk management, corporate governance, general corporate matters and management of litigation. Career Highlights- Sterling National Bank and its public holding company, Sterling Bancorp- Executive Vice President and General Counsel (2002 to 2015); Bank of America- Senior Vice President, General Counsel and Corporate Secretary of the bank's commercial finance subsidiary. Education-J.D., Columbia University School of Law, B.A., Wellesley College.

Mr. Patent has over 50 years of experience in real estate investment. His board experience includes service as a director of New York Federal Savings Bank from 1989 until its sale to Flushing Financial Corporation in 1997. Career Highlights- Colby Capital Corporation, a private investment firm focused on real estate acquisition, restructuring and financing- President (1991 to Present); New York Federal Savings Bank- Director (1989 to 1997). Education- B.B.A., The George Washington University

Mr. Fabiano has more than 40 years of experience across a broad range of finance, accounting and management disciplines, primarily in the banking sector. He is a Certified Public Accountant, a member of the American Institute of CPAs and the New York State Society of CPAs and attended the National School of Banking at Fairfield University. Career Highlights- Metropolitan Bank Holding Corp. and Metropolitan Commercial Bank- Executive Vice President and Chief Financial Officer (2018 to 2020). Hudson City Bancorp- President, Chief Operating Officer and a member of the Board of Directors (2014 to 2015); Executive Vice President-Finance and Administration (2012 to 2014). Sound Federal Bancorp- Chief Financial Officer (1998 to 2006). MSB Bancorp-Chief Financial Officer (1992 to 1998). Education- B.S., Manhattan College.

Mr. Gutman has been active in real estate and retail development since 1990. At Pathmark, he was responsible for the company's retail development program, including site identification. He was additionally responsible for investor communications and public relations. Mr. Gutman currently serves on the board of two ARCTRUST private REITs and is a member of the International Council of Shopping Centers. Career Highlights- Brookside Advisors, LLC, a real estate consulting and development company-Founder and President (2006 to Present); Pathmark Stores, Inc.- Senior Vice President for Retail Development (16 years); VP for Grocery, Non-Food and Rx Merchandising (7 years); VP of Strategic Planning, Research and Investor Relations (7 years). Education-M.B.A., Wharton School of the University of Pennsylvania, B.A., Rutgers University.

Mr. Wolf led the Law Advisory practice at Aon Risk Solutions, providing industry-specific experience to help law firm leaders identify and implement operational improvements for financial stability and growth. At Herrick Feinstein, Mr. Wolf was responsible for the firm's financial, administrative and strategic planning. Mr. Wolf founded and is the Chairman and President of The Greg Wolf Fund, a charitable organization that was established in memory of his son, Gregory, who lost his battle to leukemia in 2005. The fund supports patients and their families in their fight against all blood cancers and has funded numerous blood cancer research initiatives. Career Highlights- Aon Risk Solutions, Managing Director and the Head of the Law Firm Advisory Team (2018 to 2024); Herrick, Feinstein, law firm-Managing Director, member of Executive Committee (1993 to 2017). Education-B.S., Villanova University.

Ms. Pamula has more than 25 years of information technology experience, with a focus on solutions for business process improvement, business transformation/ reengineering and IT portfolio optimization. She is engaged and versed in emerging areas of technology, such as generative artificial intelligence. Ms. Pamula is on the board of various industry associations, social impact organizations, and has received awards for her philanthropy, entrepreneurship, and dedication to non-for-profit endeavors. Career Highlights- PamTen Inc., technology services provider- Co-founder, President and CEO (2007 to Present); SheTek, non-profit focused on increasing women representation in technology industry- Founder and President (2017 to Present); SOFKIN, non-profit focused on serving the needs of underprivileged children- Founder and Trustee (2005 to Present). Education- Executive Education Program, Harvard Business School, MBA, Osmania University in India.

Ms. Ramirez has significant board experience in the banking industry, serving as director at a number of companies between 1989 and 2009, including Sovereign Bancorp, Independence Community Bank and Statewide Savings Bank. Ms. Ramirez currently serves as a director of Security Mutual Life and The Brooklyn Hospital. Career Highlights- Maria Fiorini Ramirez, Inc., a global economic and financial consulting firm- Founder, President and CEO (1992 to Present); Drexel Burnham Lambert Incorporated- Managing Director and Money Market Economist. Education- B.A., Pace University.

Ms. Robinson is an expert in trusts, succession planning and governance, including in the cross-border context. A lawyer admitted to practice in New York state, Ms. Robinson's previous legal experience includes working with private family offices and ultra-high net worth clients. She also worked as a portfolio manager in international wealth management in New York. Career Highlights- Cone Marshall Group, an international trust and fiduciary services firm- CEO (2022 to Present); Teton Trust Company LLC, a Wyoming chartered trust and fiduciary services firm-CEO (2017 to Present); Education-J.D., Benjamin Cardozo School of Law; MPhil, University of Cambridge; B.A., Princeton University.

Dixiana M. Berrios has served as Executive Vice President and Chief Operating Officer since July 2020. Before joining the Company, Ms. Berrios served as Executive Vice President and Director of Bank Operations of Amalgamated Bank from 2011 until 2020. Prior to her employment with Amalgamated Bank, Ms. Berrios served in several roles for Sterling National Bank from 1996 until 2011, including Senior Vice President and Director of Bank Operations. Ms. Berrios holds an MA from the Fletcher School of Law and Diplomacy at Tufts University and a BA from The University of Alabama. Age 53.

Frederik F. Erikson has served as Executive Vice President and General Counsel since September 2023. Mr. Erikson previously held several leadership roles at Webster Bank, N.A. over two decades, including Deputy General Counsel for nine years. He earned a JD from the Albany Law School of Union University and a BA from the State University of New York. Age 53.

Mr. Gerald David Bonnar, Senior Vice President and Chief Accounting Officer