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To the Shareholders of ESQUIRE FINANCIAL HOLDINGS INC,

The 2026 Special Meeting of Shareholders of ESQUIRE FINANCIAL HOLDINGS INC will be held on June 23, 2026 for Shareholders of record as of April 29, 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 ESQUIRE FINANCIAL HOLDINGS INC