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To the Shareholders of SENECA BANCORP INC,

The 2026 Annual Meeting of Shareholders of SENECA BANCORP INC will be held on May 19, 2026 for Shareholders of record as of April 07, 2026.

Your vote is important, so please vote at your earliest convenience.

If you own shares through a broker, please follow the instructions that were provided to you by your broker/financial institution.

If you have any questions, please contact AST.

Thank You,

Equiniti Trust Company, LLC

Transfer Agent for SENECA BANCORP INC