Age: 68 Director since: 2023 After earning an accounting degree at Moravian, Mr. Lubow began his banking career at Chase Manhattan Bank, N.A., as assistant treasurer in the corporate subsidiary and management information systems audit division. Over the next several years, he worked at multiple banks, steadily taking on more complex auditing roles. At the age of 29, Mr. Lubow was named Chief Operating Officer of Dollar Dry Dock, where he supervised more than 300 employees. At the time, the bank was shifting from a traditional teller-based model to financial retail centers that provided services such as wealth management, mortgages, and financial planning. Mr. Lubow led the launch of a state-of-the-art ATM network to increase convenience for customers and introduced a quality assurance program to evaluate and improve existing operations. He also oversaw the outsourcing of the bank s MIS function, which resulted in significant efficiency improvements. Subsequent to his tenure at Dollar Dry Dock, Mr. Lubow was recruited by two banks that were turnaround situations. In both roles, he stabilized operations while implementing strategies that restored profitability in a short period of time. In 2008 Mr. Lubow founded a new bank (Community National Bank) from the ground up and shaped every aspect of its strategy from branch locations to community engagement. At Community National Bank, Mr. Lubow pioneered a business banking single-point-of-contact relationship model in which one banker manages all of a client s needs, including loans, deposits, treasury services, and cash management. After the sale of Community National to Bridgehampton National Bank, Mr. Lubow joined Dime Community Bank as its Chief Banking Officer in 2017. He was promoted to President in 2019 and was an integral part of Dime s merger transaction with Bridgehampton National Bank that created a $12 billion Long Island banking powerhouse. In September 2023, he was appointed CEO of Dime. Over the past decade, Mr. Lubow has transformed Dime from its legacy thrift business model into a full service and growing commercial bank. Under Mr. Lubow s leadership, Dime developed a private banking business, built upon a single-point-of-contact approach and staffed by over 15 top banking teams that have brought in over $3 billion of new deposits, and diversified its balance sheet into various new areas such as healthcare, fund finance and other commercial lending areas. In 2026, recognizing the transformation that had been made under his leadership, the Bank announced plans to rebrand as Dime Commercial Bank. Under Mr. Lubow s leadership, Dime earned Outstanding Community Reinvestment Act (CRA) ratings in 2022 and 2024. The designation recognizes institutions that excel at meeting the credit needs of their communities, including low- and moderate-income neighborhoods.