Document:

EX-4.1

 Exhibit 4.1 

THIRD SUPPLEMENTAL INDENTURE 

Dated as of November 26, 2013 

to 
 INDENTURE 

Dated as of January 26, 2010 

among 
 STONE ENERGY
CORPORATION 
 as Issuer, 

The SUBSIDIARY GUARANTOR named therein 

and 
 THE BANK OF NEW
YORK MELLON TRUST COMPANY, N.A. 
 as Trustee 
  

 
 8.625% Senior
Notes due 2017 

 THIRD SUPPLEMENTAL INDENTURE 

THIS THIRD SUPPLEMENTAL INDENTURE (this “Supplemental Indenture”), dated as of November 26, 2013, is by and among Stone
Energy Corporation, a Delaware corporation (the “Issuer”), Stone Energy Offshore, L.L.C., a Delaware limited liability company, as Subsidiary Guarantor (the “Guarantor”), and The Bank of New York Mellon Trust
Company, N.A., as trustee under the Indenture referred to below (the “Trustee”). 
 RECITALS 

WHEREAS the Issuer and the Guarantor have heretofore executed and delivered to the Trustee an Indenture, dated as of January 26, 2010 (as
amended and supplemented by the First Supplemental Indenture of even date therewith, the “Indenture”), providing for the issuance of the Issuer’s 8.625% Senior Notes due 2017 (the “Notes”); 

WHEREAS, on or about January 26, 2010, the Issuer issued $275,000,000 aggregate principal amount of Notes, on or about November 17,
2010, the Issuer issued an additional $100,000,000 aggregate principal amount of Notes, and all of such Notes are currently Outstanding; 

WHEREAS, Section 1002 of the Indenture provides that, with the consent of Holders representing a majority in principal amount of the
Outstanding Notes, the Issuer, the Guarantor and the Trustee may enter into an indenture supplemental to the Indenture for the purpose of amending the Indenture or the Notes (subject to certain exceptions); 

WHEREAS, the Issuer desires and has requested the Trustee to join with it and the Guarantor in entering into this Supplemental Indenture for
the purpose of amending the Indenture and the Notes in certain respects as permitted by Section 1002 of the Indenture; 
 WHEREAS, the
Issuer has been soliciting consents to this Supplemental Indenture upon the terms and subject to the conditions set forth in its Offer to Purchase and Consent Solicitation Statement dated November 13, 2013 and the related consent and letter of
transmittal (which together, including any amendments, modifications or supplements thereto, constitute the “Tender Offer”); and 

WHEREAS, (1) the Issuer has received the consent of the Holders of a majority in principal amount of the Outstanding Notes, all as
certified by an Officers’ Certificate delivered to the Trustee simultaneously with the execution and delivery of this Supplemental Indenture, (2) the Issuer has delivered to the Trustee simultaneously with the execution and delivery of
this Supplemental Indenture an Opinion of Counsel relating to this Supplemental Indenture as contemplated by Section 1003 of the Indenture and (3) the Issuer and the Guarantor have satisfied all other conditions required under Article Ten
of the Indenture to enable the Issuer, the Guarantor and the Trustee to enter into this Supplemental Indenture; 
 NOW, THEREFORE, in
consideration of the above premises, each party hereby agrees, for the benefit of the others and for the equal and ratable benefit of the Holders of the Notes, as follows: 

ARTICLE I 
 AMENDMENTS
TO INDENTURE AND NOTES 
 Section 1.1 Amendments to Articles Six, Eight, Nine, Eleven and Twelve. The Indenture is
hereby amended (i) by substituting the words “three Business Days” for “30” in Section 1205 of the Indenture and in the second and fourth paragraphs of the first page of the reverse of the form of Note attached as Annex
A to the Indenture and (ii) by deleting the following Sections or clauses of the Indenture and all references and definitions related thereto in their entirety: 

  
 2 

 Clauses (6) and (9) of Section 601 (Events of Default); 

Section 804 (Reports by Company), except as required by Section 314(a) of the TIA; 

Clauses (2) and (3) of Section 901 (Company May Consolidate, Etc., Only on Certain Terms); 

Section 1104(b) (Statement by Officers as to Default); 

Section 1107 (Payment of Taxes); 

Section 1110 (Purchase of Notes Upon a Change of Control); 

Section 1111 (Limitation on Indebtedness and Preferred Stock); 

Section 1112 (Limitation on Restricted Payments); 

Section 1113 (Limitation on Liens); 

Section 1114 (Limitation on Restrictions on Distributions from Restricted Subsidiaries); 

Section 1115 (Limitation on Sales of Assets and Subsidiary Stock); 

Section 1116 (Limitation on Affiliate Transactions); 

Section 1117 (Future Subsidiary Guarantors); and 

Section 1118 (Payments for Consent). 

Section 1.2 Amendments to Notes. The Notes are hereby amended to substitute the words “three Business Days” for
30 in the first and third paragraphs of the first page of the reverse side of the Notes and to delete all provisions inconsistent with the amendments to the Indenture effected by this Supplemental Indenture. 

Section 1.3 Make-Whole Redemption. Notwithstanding any provision of the Indenture to the contrary, in connection with any
redemption of the Notes pursuant to Section 1203(c) of the Indenture, the Issuer may determine the Applicable Premium and the Treasury Rate at any time prior to the second Business Day preceding the applicable Redemption Date but no earlier
than the fifth Business Day preceding such Redemption Date, and prior to such Redemption Date the Issuer shall file with the Trustee a written statement setting forth the Applicable Premium and the Treasury Rate. 

ARTICLE II 

MISCELLANEOUS PROVISIONS 

Section 2.1 Defined Terms. For all purposes of this Supplemental Indenture, except as otherwise defined or unless the
context otherwise requires, terms used in capitalized form in this Supplemental Indenture and defined in the Indenture have the meanings specified in the Indenture. 

Section 2.2 Indenture. Except as amended hereby, the Indenture and the Notes are in all respects ratified and confirmed and
all the terms shall remain in full force and effect. This Supplemental Indenture shall form a part of the Indenture for all purposes, and every Holder of Notes heretofore or hereafter authenticated and delivered under the Indenture shall be bound
hereby and all terms and conditions of both shall be read together as though they constitute a single instrument, except that in the case of conflict the provisions of this Supplemental Indenture shall control. 

Section 2.3 Governing Law. THIS SUPPLEMENTAL INDENTURE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF
THE STATE OF NEW YORK. 
 Section 2.4 Successors. All agreements of the Issuer and the Guarantor in this Supplemental
Indenture and the Notes shall bind their respective successors. All agreements of the Trustee in this Supplemental Indenture shall bind its successors. 

Section 2.5 Duplicate Originals. All parties may sign any number of copies of this Supplemental Indenture. Each signed copy
shall be an original, but all of them together shall represent the same agreement. It is the express intent of the parties to be bound by the exchange of signatures on this Supplemental Indenture via telecopy or other form of electronic
transmission. 

  
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 Section 2.6 Severability. In case any one or more of the provisions in this
Supplemental Indenture or in the Notes shall be held invalid, illegal or unenforceable, in any respect for any reason, the validity, legality and enforceability of any such provision in every other respect and of the remaining provisions shall not
in any way be affected or impaired thereby, it being intended that all of the provisions hereof shall be enforceable to the fullest extent permitted by law. 

Section 2.7 Trustee Disclaimer. The Trustee accepts the amendments of the Indenture effected by this Supplemental Indenture
and agrees to execute the trust created by the Indenture as hereby amended, but on the terms and conditions set forth in the Indenture, including the terms and provisions defining and limiting the liabilities and responsibilities of the Trustee,
which terms and provisions shall in like manner define and limit its liabilities and responsibilities in the performance of the trust created by the Indenture as hereby amended, and without limiting the generality of the foregoing, the Trustee shall
not be responsible in any manner whatsoever for or with respect to any of the recitals or statements contained herein, all of which recitals or statements are made solely by the Issuer and the Guarantor, and the Trustee makes no representation with
respect to any such matters. Additionally, the Trustee makes no representations as to the validity or sufficiency of this Supplemental Indenture. 

Section 2.8 Effectiveness. The provisions of this Supplemental Indenture shall be effective only upon execution and
delivery of this instrument by the parties hereto. Notwithstanding the foregoing sentence, the provisions of this Supplemental Indenture shall become operative only upon the purchase by the Issuer of a majority in principal amount of the Outstanding
Notes pursuant to the Tender Offer, with the result that the amendments to the Indenture effected by this Supplemental Indenture shall be deemed to be revoked retroactive to the date hereof if such purchase shall not occur. The Issuer shall notify
the Trustee in writing promptly after the occurrence of such purchase or promptly after the Issuer shall determine that such purchase will not occur. 

Section 2.9 Endorsement and Change of Form of Notes. Any Notes authenticated and delivered after the close of business on
the date that this Supplemental Indenture becomes operative in substitution for Notes then outstanding and all Notes presented or delivered to the Trustee on and after that date for such purpose shall be stamped, imprinted or otherwise legended by
the Issuer, with a notation as follows: 
 “Effective as of November 26, 2013, the Issuer has amended the Indenture, as provided in
the Third Supplemental Indenture, dated as of November 26, 2013. Reference is hereby made to said Third Supplemental Indenture, copies of which are on file with the Trustee, for a description of the amendments made therein.” 

Section 2.10 Effect of Headings. The Section headings herein are for convenience only and shall not affect the construction
thereof. 
 [THE REMAINDER OF THIS PAGE IS INTENTIONALLY LEFT BLANK] 

  
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 IN WITNESS WHEREOF, the parties hereto have caused this Supplemental Indenture to be duly
executed as of the day and year written above. 
  

			
	STONE ENERGY CORPORATION
		
	By:	 	/s/ Kenneth H. Beer
		 	Kenneth H. Beer
		 	Executive Vice President and
		 	    Chief Financial Officer

  

			
	 STONE ENERGY OFFSHORE, L.L.C.,

    by and through its sole member,

    STONE ENERGY CORPORATION

		
	By:	 	/s/ Kenneth H. Beer
		 	Kenneth H. Beer
		 	Executive Vice President and
		 	    Chief Financial Officer

  

			
	 THE BANK OF NEW YORK MELLON TRUST

    COMPANY, N.A.,
 as
Trustee

		
	By:	 	/s/ R. Tarnas
		 	Name: R. Tarnas
		 	Title: Vice President

  
 5EX-4.5

 Exhibit 4.5 

LAKELAND BANCORP, INC. 

2013 AUTOMATIC DIVIDEND REINVESTMENT 

AND STOCK PURCHASE PLAN 

The 2013 Automatic Dividend Reinvestment and Stock Purchase Plan (the “Plan”) of Lakeland Bancorp, Inc. (“Bancorp”)
described herein provides holders of Bancorp’s Common Stock, no par value (“Common Stock”), with a simple and convenient method of investing cash dividends and optional cash payments in additional shares of Common Stock without
payment of any brokerage commission or service charge. Upon the effectiveness of the Registration Statement on Form S-3 covering the Common Stock authorized for issuance hereunder, the Plan shall become effective and shall replace in its entirety
Bancorp’s prior 2007 Automatic Dividend Reinvestment and Stock Purchase Plan (the “Prior Plan”). 
 1. Administration of
the Plan 
 The Plan Administrator shall be American Stock Transfer & Trust Company, LLC (“AST”) or another
institution selected by the Board of Directors of Bancorp. The Plan Administrator shall administer the Plan for participants, keep records, send statements of account to participants pursuant to Section 7 herein and perform other duties
relating to the Plan. The Plan Administrator will act in the capacity of agent for the participants. 
 2. Eligibility to Participate

 (a) All holders of record of shares of Common Stock are eligible to participate in the Plan. To participate in the Plan, beneficial
owners of shares of Common Stock whose shares are registered in other names (for instance, in the name of a broker or a nominee) must first become owners of record of such shares as to which Plan participation is desired by having those shares
transferred into their own names. A stockholder may continue to have some shares of Bancorp registered in the name of the stockholder’s broker and some shares registered in the stockholder’s own name. 

(b) A stockholder of Bancorp may join the Plan at any time by signing an enrollment form (“Enrollment Form”) and returning it to the
Plan Administrator. In addition to processing Enrollment Forms received by mail, the Plan Administrator shall offer Bancorp stockholders the option of enrolling in the Plan (and updating or changing elections once enrolled) through the Plan
Administrator’s website located at www.amstock.com (the “AST Website”). 
 (c) A stockholder may participate in the dividend
reinvestment feature of the Plan, the optional cash payment feature of the Plan, or both features of the Plan. Subject to Section 5, a stockholder who participates in the dividend reinvestment feature of the Plan may participate with respect to
all or any portion of the shares of Common Stock registered in such stockholder’s name; provided that pursuant to the Emergency Economic Stabilization Act passed by Congress in 2008, a stockholder participating in the dividend
reinvestment feature of the Plan with respect to a portion of his or her shares must reinvest no less than 10% of his or her dividend distribution for each dividend period. 

3. Participation in the Plan 

All Enrollment Forms shall be in a form satisfactory to Bancorp and the Plan Administrator and must be received by the Plan Administrator
(i) not later than the record date of the first dividend to be invested in Common Stock pursuant to the Plan and (ii) not later than the business day prior to the investment date on which the participant wishes to invest in Common Stock by
means of an optional cash payment, in accordance with Section 4. Notwithstanding the foregoing and any other provision contained herein, each participant in Bancorp’s Prior Plan as of the date the Plan is adopted by Bancorp’s Board of
Directors shall automatically be a participant in the Plan with respect to all shares of Common Stock held in his or her name, unless he or she (1) changes his or her elections in accordance with the Plan, in which case he or she will be a
participant in the Plan to the extent of his or her updated elections, or (2) notifies the Plan Administrator that he or she does not wish to participate in the Plan, in which case he or she will be deemed to have withdrawn from the Plan. 

 4. Cash Payments 

(a) At any time and from time to time, a participant may make an optional cash payment of not less than $25 per month, to be used for
purchasing Common Stock pursuant to the Plan, as described below; provided, however, that the sum of a participant’s optional cash payments in any month may not exceed $10,000. The limitations set forth in the preceding sentence pertaining to
the minimum and maximum monthly amount of optional cash payments may be modified from time to time in accordance with Section 15. 

(b) Optional cash payments may be submitted to the Plan Administrator by any of the following methods: 

(i) Checks payable to the Plan Administrator, drawn on a U.S. bank and payable in U.S. dollars. Optional cash payments made by check must be
received by the Plan Administrator on or before the business day prior to the investment date on which it is to be invested in accordance with Section 6. 

(ii) Automatic monthly electronic deductions from the participant’s designated account, which shall be effected on the 25th day of each calendar month or the next business day if the 25th is a Saturday, Sunday or holiday. 

(iii) One-time payments effected pursuant to an electronic withdrawal authorized by the participant through the AST Website. 

(c) The Plan Administrator shall invest monthly the participant’s optional cash payment by purchasing shares of Bancorp Common Stock on
the next investment date in accordance with Section 6 hereof. Optional cash payments received after the applicable investment date deadline will be applied to purchase shares on the following investment date. A participant may request the
return of an optional cash payment by written request received by the Plan Administrator not later than 48 hours prior to the applicable investment date. 

(d) In the event that any check or other deposit delivered to the Plan Administrator pursuant to Section 4(b) is returned unpaid for any
reason or a participant’s pre-designated bank account does not have sufficient funds for an automatic monthly electronic deduction, the Plan Administrator will consider the request for investment of that payment null and void. The Plan
Administrator will immediately remove from the participant’s account, and may sell, any shares already purchased in anticipation of receiving those funds. The Plan Administrator will also be entitled to sell these shares to satisfy any
uncollected amounts, including any service charge for the returned or rejected item. If the net proceeds of the sale of these shares are insufficient to satisfy these uncollected amounts, the Plan Administrator may sell additional shares from the
participant’s account to satisfy the uncollected balance. 
 (e) Notwithstanding anything to the contrary contained in this Plan,
Bancorp may suspend the optional cash payment feature of the Plan from time to time. Participants will be notified promptly of any such suspension of the optional cash payment feature of the Plan and any optional cash payments (i) received
prior to the date of such notice of suspension and not yet invested or (ii) received after the date of such notice of suspension and before the date of a notice of resumption of the optional cash payment feature will be returned to
participants. Participants will be notified promptly of the resumption of the optional cash payment feature of the Plan. 
 (f) The number
of shares of Common Stock purchased for each participant with such participant’s optional cash payment shall be computed (to three decimal places) by dividing (a) such participant’s optional cash payment by (b) the purchase price
described in Section 6 hereof. 
 (g) All shares purchased with optional cash payments will be allocated to the participant’s Plan
account and all cash dividends on shares purchased through optional cash payments will be automatically reinvested in additional shares of Common Stock and credited to the participant’s Plan account. 

5. Payment and Reinvestment of Dividends 

(a) With respect to the dividend reinvestment feature of the Plan, a participant may elect to have all or any portion (at least 10% as required
under the Emergency Economic Stabilization Act of 2008) of his or her dividends reinvested in Bancorp Common Stock. As and when dividends are paid on the Common Stock, Bancorp will promptly pay to the Plan Administrator all dividends payable on
shares participating in the Plan with respect to the reinvestment of dividends (including all shares credited to participants’ accounts) (less taxes withheld, if any). The Plan Administrator shall credit such dividends to the accounts of the
respective participants (on the basis of such 

  
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participating shares owned by each participant on the most recent dividend record date) and shall on each dividend payment date reinvest such dividends by purchasing Bancorp Common Stock in
accordance with Section 6 hereof. The number of shares of Common Stock purchased for each participant with reinvested dividends shall be computed (to three decimal places) by dividing (a) the dividend credited to the participant’s
account by (b) the purchase price described in Section 6 hereof. 
 (b) Notwithstanding anything to the contrary contained in this
Plan, Bancorp may suspend the dividend reinvestment feature of the Plan from time to time. Participants will be notified promptly of any such suspension of the dividend reinvestment feature of the Plan and, in the event of such suspension, any and
all dividends will be paid to participants in cash with respect to any dividend payment date occurring after the date of any such notice of suspension and prior to the date of a notice of resumption of the dividend reinvestment feature. Participants
will be notified promptly of the resumption of the dividend reinvestment feature of the Plan. 
 6. Purchases and Shares 

(a) Purchases of shares of Common Stock from Bancorp will be made on the relevant investment date. If shares are purchased in the open market,
the Plan Administrator will use its best efforts to make the purchases promptly, but not later than 30 days after the investment date (in most instances). With respect to the reinvestment of dividends, an “investment date” is a dividend
payment date. With respect to optional cash payments, an “investment date” is the first business day of each calendar month. Participants will become owners of the shares purchased for them under the Plan on the date on which such shares
are purchased. 
 (b) A total of 1,500,000 shares of Common Stock are authorized under the Plan, subject to adjustment as described in
Section 12(a) hereof. Purchases of shares of Common Stock will be made by the Plan Administrator in the market, from negotiated purchases, from Bancorp itself or from a combination of the foregoing, as determined by the Plan Administrator in
its discretion. Shares purchased from Bancorp may be either authorized but unissued shares of Common Stock or treasury shares of Common Stock. 

(c) Shares purchased by the Plan Administrator in the market will be purchased at prevailing prices. The purchase price of shares purchased in
market transactions will be the weighted average of the actual prices paid for shares of Common Stock by the Plan Administrator. The price of original issue shares or treasury shares of Common Stock shall be the “Market Price” of the
Common Stock on the relevant investment date. The Market Price shall be the average of the closing sales prices of the Common Stock as reported by the NASDAQ Global Select Market for the last five trading days prior to the investment date on which
trades in the Common Stock were reported. If such prices are unavailable for such specified number of days, the purchase price per share shall be determined by Bancorp on the basis of such market quotations or other information as it shall deem
appropriate. 
 (d) The number of shares that will be purchased for each participant will depend on the amount of the participant’s
reinvestment and/or investment and the purchase price. Each participant’s account will be credited with that number of shares (including fractions computed to three decimal places) equal to the total amount to be invested divided by the
applicable purchase price (with the purchase price computed to four decimal places). 
 (e) The Board of Directors of Bancorp shall reserve
a sufficient number of shares of Common Stock for issuance pursuant to the Plan. 
 7. Reports to Participants 

Each participant in the Plan shall receive a statement of account after each purchase. The statement will set forth the amount of the most
recent reinvestment and/or investment, the number of shares purchased, the price per share, and the total number of shares held in the participant’s account. These statements are a participant’s record of the costs of the
participant’s purchases and should be retained for income tax purposes. In addition, each participant shall receive copies of other communications sent to holders of shares of Common Stock and Internal Revenue Service information for reporting
dividend income received. 

  
 3 

 8. Certificates for Shares 

(a) Shares of Common Stock purchased under the Plan for the accounts of participants shall be registered in the name of the Plan Administrator
or its nominee and shall not be issued to participants until requested in writing to the Plan Administrator. 
 (b) Certificates for any
number of whole shares credited to an account under the Plan will be issued at any time upon the written request of a participant to the Plan Administrator. A participant may also request that all or part of the whole shares credited to the
participant’s account in the Plan be sold. If a participant makes such a request, the sale shall be made for the participant by the Plan Administrator as soon as practicable after the request is received. The participant shall receive the
proceeds from such sale, less the Plan Administrator’s $15.00 transaction fee and a brokerage commission of $0.05 per share and less any applicable transfer taxes. Any remaining full shares and fractions of a share will continue to be credited
to the participant’s account. 
 (c) Certificates for fractions of shares will not be issued under any circumstances. 

9. Pledge or Assignment of Shares 

Shares credited to the account of a participant (those registered in the name of the Plan Administrator or its nominee) may not be pledged or
assigned and any such purported pledge or assignment will be void. 
 10. Disposition of Shares 

If a participant disposes of Common Stock registered in his or her name, the dividends on shares previously credited to his or her account
under the Plan will continue to be reinvested until the participant withdraws from the Plan pursuant to Section 11 herein. 
 11.
Withdrawal; Termination of Participation 
 (a) A participant may withdraw from the Plan by sending a written withdrawal notice to the
Plan Administrator. When a participant withdraws from the Plan, or upon termination of the participant’s participation in the Plan or termination of the Plan by Bancorp, certificates for whole shares credited to the participant’s account
under the Plan will be issued and a cash payment will be made for any fraction of a share based on the then current Market Price of the Common Stock. 

(b) Upon a participant’s withdrawal from the Plan the participant may also request that all or part of the whole shares credited to the
participant’s account in the Plan be sold. If a participant makes such a request, the sale shall be made for the participant by the Plan Administrator as soon as practicable after the request is received. The participant shall receive the
proceeds from such sale, less the Plan Administrator’s $15.00 transaction fee and a brokerage commission of $0.05 per share and less any applicable transfer taxes. 

(c) A participant may withdraw from the Plan by notice to the Plan Administrator, which notice must be received at least three business days
prior to the applicable dividend payment date with respect to the reinvestment of dividends for that dividend to be paid out in cash. If the request is received less than three business days prior to the dividend payment date then that dividend will
be reinvested. However, all subsequent dividends will be paid out in cash on all balances. An optional cash payment received by the Plan Administrator may only be withdrawn by written request received by the Plan Administrator not later than 48
hours prior to the applicable investment date. 
 (d) The Plan Administrator may terminate a participant’s participation in the Plan
after mailing a notice of intention to terminate to the participant at his or her address as it appears in the Plan Administrator’s records. Bancorp reserves the right to terminate any participant’s participation in the Plan at any time
for any reason, including, without limitation, arbitrage-related activities, transactional profit activities and excessive re-enrollments. 

(e) When a participant withdraws from the Plan, a cash adjustment representing any fraction of a share credited to the participant’s
account will be mailed directly to the participant. The cash payment will be based on the Market Price of the Common Stock on the effective date of withdrawal. 

(f) A stockholder may re-enter the Plan by following the procedures applicable for initial enrollment in the Plan. However, Bancorp reserves
the right to reject any Enrollment Form from a previous participant in the event of excessive enrollments and withdrawals. 

  
 4 

 12. Non-Cash Dividends and Stock Splits; Rights Offerings 

(a) Any stock dividends or stock splits applicable to shares of Common Stock held by a participant under the Plan will be credited to the
participant’s account. The number of shares subject to the Plan will be adjusted to reflect such events as stock dividends and stock splits. 

(b) In the event that Bancorp makes available to its shareholders rights to purchase additional shares or securities, participants under the
Plan will receive a subscription warrant for all of such rights directly from Bancorp. 
 (c) Transaction processing may either be curtailed
or suspended until the completion of any stock dividend, stock split, rights offering or similar corporate action. 
 13. Voting Rights

 (a) Shares held by the Plan Administrator for a participant will be voted as the participant directs with respect to shares held in
his or her own name. 
 (b) For each meeting of stockholders, the participant shall receive a proxy card which will enable the participant
to vote the shares registered in his or her own name. If the proxy card is returned properly signed and marked for voting, all whole shares held for the participant under the Plan shall be voted in the same manner as the shares owned directly by the
participant. The total number of whole shares held under the Plan may also be voted in person at a meeting. 
 (c) If no instructions are
received on a properly signed returned proxy card with respect to any item thereon, all of a participant’s whole shares (those registered in his name and those credited to his account under the Plan) will be voted in accordance with the
recommendations of Bancorp’s Board of Directors, to the extent permitted by applicable law. If the proxy card is not returned or if it is returned unsigned, none of the participant’s shares will be voted unless the participant votes in
person. 
 (d) Participants may also vote the shares in their Plan account by telephone or on the internet. 

14. Foreign Stockholders 

In the case of a foreign stockholder whose dividends are subject to federal income tax withholding, the amount of tax required to be withheld
will be deducted from the amount of cash dividends to determine the amount of dividends to be reinvested. 
 15. Modification and
Termination of Plan 
 Bancorp (through its Board of Directors) reserves the right to suspend, modify or terminate the Plan, or the
participation in the Plan by any participant, at any time, including the right to suspend the optional cash payment feature and dividend reinvestment feature of the Plan, as described in Sections 4 and 5 hereof. All participants affected by such
action shall receive notice of any such suspension, modification or termination. Bancorp’s right to modify the Plan includes the right to increase or decrease the minimum and maximum amounts of optional cash payments which may be made under the
Plan and to impose fees in connection with participation in the Plan. Revisions in such minimum and maximum amounts and in the fee structure of the Plan will only be made upon 30 days’ prior notice to participants. 

16. Fees and Commissions 

Except as described in Sections 11 and 15, Bancorp shall pay all fees and brokerage commissions in connection with the Plan. 

17. Interpretation 
 The
Plan shall be interpreted and regulated by Bancorp. All such interpretations and regulations shall be conclusive. 

  
 5 

 18. No Liability 

In administering the Plan, Bancorp and the Plan Administrator (including all of their respective officers, directors, employees and agents)
will not be liable for any act done in good faith or for any good faith omission to act, including without limitation, any claim of liability arising out of failure to terminate a participant’s account upon such participant’s death prior
to receipt of notice in writing of such death and any claim of liability with respect to the prices at which shares are purchased or sold for participants’ accounts or the times such purchases or sales are made. 

19. Termination or Resignation of Plan Administrator 

Bancorp may terminate the Plan Administrator’s services under the Plan upon thirty (30) days prior written notice to the Plan
Administrator. The Plan Administrator may resign upon ninety (90) days’ prior written notice to Bancorp. 
 20. Governing Law

 The terms, conditions and operation of the Plan shall be governed by the laws of the State of New Jersey. 

  
 6

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