Kevin Patterson Partner

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1 100 Quentin Roosevelt Boulevard Garden City, NY ph: fx: AREAS OF PRACTICE Banking Compliance Bank Operations Bank Regulatory and Compliance Corporate and Transactional Credit Union Regulatory and Compliance Mortgage Banker Regulatory and Compliance ADMISSIONS New York State Federal: EDNY, SDNY EDUCATION J.D., St. John s University School of Law, 1986 M.B.A., St. John s University Graduate School of Business, 1983 B.A., St. John s University, 1981 Kevin Patterson Partner Kevin Patterson represents banks and other financial institutions regarding legal and regulatory compliance issues and advises his clients on the operational implementation of such requirements. Mr. Patterson has extensive experience applying his regulatory compliance expertise to the electronic delivery of financial services. He has served as primary counsel for the establishment and the regular operations of several online banking services, including mobile banking services via a downloadable app, text banking and wireless browsers. In addition, Mr. Patterson s practice includes complex technology transactions involving software licensing, outsourcing and services agreements. PAST EXPERIENCE Mr. Patterson began his career at Cullen and Dykman LLP. After leaving the firm, he served as Deputy General Counsel and Compliance Officer at Crossland Savings and Associate General Counsel at Republic National Bank of New York, where he handled retail banking and lending issues in regard to disclosures, operations and technology issues. Mr. Patterson spent more than ten years at Citibank where he supported retail banking and was responsible for the development and regular operations of Citibank Online, including Citi Mobile. In addition, he served as General Counsel to Citigroup s software development and technology affiliate, Citicorp Services. Mr. Patterson has also served as Senior Counsel for information technology, operations and sourcing at GE Capital and as Associate General Counsel at TIAA-CREF Trust Company, FSB. PROFESSIONAL & COMMUNITY ACTIVITIES

2 Mr. Patterson serves regularly as a panelist and lecturer at various continuing education forums, including Practicing Law Institute (PLI) and American Lawyers Media (ALM). NEWS & SPEAKING ENGAGEMENTS Joseph D. Simon and Kevin Patterson Published in the Westlaw Journal Discussing the Expansion of the Qualified Mortgage Safe Harbor Under the Regulatory Relief Bill, July 19, 2018 New York State Department of Financial Services Issues Final Cybersecurity Regulation, February 16, 2017 ADVISORIES Banks and Credit Unions Will be Required to Accept Certain Private Flood Insurance Policies Starting July 1, 2019, February 12, 2019 New York State Department of Financial Services Fines Mortgage Servicer $100,000 for Violating New York s Vacant and Abandoned Property Law, January 24, 2019 CFPB Updates Regulation C and Regulation Z Asset-Size Exemption Thresholds for 2019, January 22, 2019 DFS Issues Guidance and Best Practices for State-Chartered Institutions Making Loans Secured by Rent- Stabilized Multifamily Residential Buildings, September 25, 2018 FinCEN Issues a Permanent Exception to the Beneficial Ownership Requirements for Rollovers, Renewals, Modifications and Extensions of Certain Accounts, September 20, 2018 CFPB Issues Interpretive Rule Implementing and Clarifying New HMDA Provisions, September 11, 2018 CFPB Updates Regulation Z Thresholds for 2019, August 29, 2018 New Federal Protection for Financial Institutions and their Employees who Report Suspected Elder Financial Exploitation, August 21, 2018 Regulatory Relief Bill Exempts Certain Reciprocal Deposits From Being Deemed Brokered Deposits, June 6, 2018 Expansion of the Qualified Mortgage Safe Harbor under the Regulatory Relief Bill: Significant Help for Portfolio Lenders under $10 Billion in Assets, May 31, 2018 Changes to HMDA under the Regulatory Relief Bill: Limited Help for Small-Volume Mortgage Lenders, May 29, 2018 Regulatory Relief Bill Signed into Law, May 24, 2018

3 TRID Amendment Gives Lenders Greater Flexibility to Use Closing Disclosures to Reset Tolerances, May 8, 2018 Federal Banking Agencies Issue Final Rule to Exempt Commercial Real Estate Transactions of $500,000 or Less from Appraisal Requirements, April 12, 2018 Exemption Amount for Certain Benefit Payments Made Electronically or by Direct Deposit Increases to $2,850, April 2, 2018 Federal Circuit Court Finds National Bank Not Exempt from State Mortgage Escrow Interest Law, March 15, 2018 New York State Changes Mortgage Escrow Interest Rate Rule, January 24, 2018 OCC Provides Guidance on Flood Insurance Issues Applicable to Commercial Loans, January 23, 2018 Mortgage Servicer Held Liable for Damages for Sending Account Statements and other Notices to Borrowers Discharged in Bankruptcy, January 22, 2018 FinCEN Launches New Program to Strengthen Public-Private Information Sharing, January 10, 2018 Recent Federal Case Highlights the Need for Financial Institutions to Ensure Accurate Credit Reporting under the FCRA, January 3, 2018 Wage Exemption Amount for Restraining Notices and Levies Increases, January 2, 2018 HMDA Developments: OCC, FDIC and CFPB Announce No Penalties for Data Errors in 2018 Submissions; CFPB Intends to Reconsider Certain HMDA Requirements; CFPB Raises Asset Threshold for HMDA Coverage, December 26, 2017 Additional Guidance Issued on the Military Lending Rule, December 20, 2017 New York State Department of Financial Services Fines PHH Mortgage $119,000 for Violation of New York Vacant and Abandoned Property Law, December 19, 2017 Financial Institutions Sued for Imposing Overdraft Fees When Uber and Lyft Charges Overdraw Accounts, December 4, 2017 CFPB Approves Final Redesigned Uniform Residential Loan Application, November 30, 2017 CFPB Updates Regulation Z and Regulation M Thresholds for 2018, November 21, 2017 Implementation Timeline Issued for Redesigned Uniform Residential Loan Application, October 26, 2017 Regulators Issue Examination Guidance for New HMDA Requirements, October 25, 2017 Regulation B Amended to Give Financial Institutions Additional Flexibility in Collecting Government

4 Monitoring Information, October 23, 2017 CFPB Finalizes Proposed Changes and Clarifications to New HMDA Requirements, September 12, 2017 Federal Banking Agencies Propose to Exempt Commercial Real Estate Transactions of $400,000 or Less from Appraisal Requirements, August 1, 2017 CFPB Amends the TILA-RESPA Integrated Disclosure Rule, July 25, 2017 CFPB Proposes Increase in Threshold for Coverage under HMDA, July 19, 2017 New York Bankruptcy Court Holds Mortgage Servicer in Contempt for Sending Periodic Statements to a Borrower Discharged in Bankruptcy, June 7, 2017 CFPB Issues Proposed Changes and Clarifications to New HMDA Requirements, April 25, 2017 CFPB Proposes Regulation B Amendments to Provide Compliance Flexibility in Collecting Government Monitoring Information, April 5, 2017 Guidance Issued on How to Apply the Wage Exemption for Restraining Notices and Levies Under New York State Law, April 4, 2017 Residential Mortgage Borrowers in Bankruptcy: The Rules on Sending Periodic Statements are Changing, March 13, 2017 New York State Adopts Cybersecurity Regulation, February 28, 2017 DFS Releases Exemption Form under New York State's Zombie Properties Law, January 11, 2017 FCC Denies Exemption from TCPA for Mortgage Servicing Calls, January 6, 2017 New York State Department of Financial Services Issues Updated Proposed Cybersecurity Regulation, January 3, 2017 IRS Repeals 36-Month Rule for Reporting Discharges of Indebtedness, December 22, Final Regulation Issued Under New York State s Zombie Properties Law, December 13, Wage Exemption Amount for Restraining Notices and Levies under New York State Law to Increase as of December 31,, December 8, Determining Eligibility for Exemptions under New York State's Zombie Properties Law, November 22, FinCEN Issues Advisory and FAQs Regarding Reporting Cyber-Events, October 27, Mortgage Servicers Start Seeing Claims for Violations of the New Mortgage Servicing Rules Under the Dodd-Frank Act, October 21,

5 CFPB Approves Revised Uniform Residential Loan Application, October 5, Proposed Regulation Issued Under New York State s Zombie Properties Law, September 28, New York State Proposes New Cybersecurity Regulation, September 15, Federal Court Finds Depository Bank Not Liable to Third Party for Mobile Remote Deposit Capture Fraud, September 13, Agencies Provide Information on Self-Assessments for Diversity Policies and Practices, September 1, CFPB Fines Bank for Improper Overdraft Practices, August 22, CFPB Issues Final Mortgage Servicing Rule to Provide Greater Protections to Borrowers, August 22, CFPB Updates Regulation Z Thresholds for 2017, August 19, CFPB Proposes Amendments to the TILA-RESPA Integrated Disclosure Rule, August 16, Guidance Issued on Safeguarding the Cybersecurity of Interbank Messaging and Payment Networks, July 22, CFPB Is Urged to Change How Title Insurance Premiums Are Disclosed Under the TRID Rule, June 15, Federal Appeals Court Finds Mortgage Servicer Potentially Liable to Borrower Under New Mortgage Servicing Rules, May 31, Interagency Guidance Issued Regarding Deposit Reconciliation Practices, May 26, Guidance Issued on Applying CIP Requirements to Holders of Prepaid Cards, May 11, NACHA Issues Amendments to Operating Rules on Same-Day ACH Payments, Unauthorized Entry Fees and Disclosures for POS Entries, April 6, CFPB Expands the Eligibility Requirements for Small Creditors in Rural or Underserved Areas, March 31, CFPB Issues Guidance to Financial Institutions on Elder Financial Exploitation, March 30, Overview of Financial Protections for Military Service Members, Including the New Military Lending Act, March 28, Federal Banking Agencies Release Advisory Regarding Use of Evaluations Instead of Appraisals, March 9, FDIC Addresses Risk Management Practices for Discontinued Foreclosure Proceedings, March 8, Bank Customers Who Did Not Report Unauthorized ElectronicTransfers for Two and a Half Years Denied

6 Recovery, February 17, CFPB Issues Major Changes to HMDA Requirements, January 4, Banking Agencies Issue Advisory on CRE Lending, December 28, 2015 New Law Eliminates the Requirement for Financial Institutions to Mail Annual Privacy Notice if Certain Conditions are Met, December 15, 2015 FDIC Issues Advisory on Loan Purchases and Participations, November 10, 2015 CFPB Updates Regulation Z Thresholds, September 24, 2015 New Cases Shed Light on the Requirement of Lenders to Record Mortgage Satisfactions, September 11, 2015 OCC Issues Consent Order against Citizens Bank for Deposit Reconciliation Practices, August 20, 2015 Appellate Court Provides Guidance for Determining Whether a Credit Transaction is Subject to TILA, August 18, 2015 CFPB Updates Guidance on Housing Counselor Requirements, April 21, 2015 Exemption Amount under New York State Law for Statutorily Exempt Payments in Deposit Accounts Increases to $2,750, April 7, 2015 Supreme Court to Hear Case Deciding the Rights of Spousal Loan Guarantors under the Equal Credit Opportunity Act, March 25, 2015 New Record Retention Requirements under the TILA-RESPA Integrated Disclosure Rule, March 20, 2015 New York State DFS Issues Guidelines to Financial Institutions on the Prevention of Elder Financial Exploitation, March 18, 2015 Federal Agencies Issue Guidance on Youth Savings Programs, March 2, 2015 Federal Law Changed to Allow Financial Institutions to Offer Savings Promotion Giveaways, January 21, 2015 FDIC Issues Guidance Taking a Very Broad View of What Are Considered Brokered Deposits, January 12, 2015 CFPB Proposes Amendments to Mortgage Servicing Rules, December 29, 2014 New York State Department of Financial Services Issues Expanded Cyber Security Examination Procedures, December 12, 2014 The New York State Department of Financial Services Issues Regulations against Abusive, Deceptive and

7 Unfair Debt Collection Practices, December 10, 2014 Amendments Proposed to Flood Insurance Regulations, November 7, 2014 CFPB Eases Some of the Requirements Under the Dodd-Frank Act Mortgage Rules, November 3, 2014 CFPB Amends Regulation P to Eliminate Mailing Requirement for Annual Privacy Notices in Certain Circumstances, October 22, 2014 New York State to Allow Financial Institutions to Offer Savings Promotion Giveaways, September 30, 2014 OFAC Issues Revised Guidance on Entities Owned by Persons Whose Property and Interests in Property are Blocked, August 19, 2014 FinCEN Proposes Rules to Enhance Customer Due Diligence Requirements for Financial Institutions, August 13, 2014 CFPB Proposes Significant Changes to HMDA Reporting Requirements, July 29, 2014 Federal Banking Agencies Issue Guidance on Flood Insurance Requirements for Existing Loans Secured by Multi-Family Residential Buildings, May 30, 2014 Maximum Flood Insurance Available for Multi-Family Residential Buildings with Five or More Units Increases to $500,000 as of June 1, 2014, February 26, 2014