$PDLB

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Company Executives

$PDLB Management Team

Mr. Steven Tsavaris

Executive Chairman of the Board

Age 75

Compensation $1.137M USD

Sex Male

Mr. Sergio Vaccaro

Chief Financial Officer

Executive Vice President

Age 49

Compensation $547.4K USD

Sex Male

Mr. Luis Gonzalez

Executive Vice President

Chief Operating Officer

Age 42

Compensation -

Sex Male

Ms. Madeline Marquez

Senior Vice President of Ponce Bank

Age 68

Compensation -

Sex Female

Mr. Carlos Naudon

President

Chief Executive Officer

Director

Age 74

Compensation $1.186M USD

Sex Male

Mr. Nick Lugo

Independent Vice Chairman of the Board

Age 82

Compensation $84.00K USD

Sex Male

Mr. Ioannis Kouzilos

Executive Vice President

Chief Lending Officer of Ponce Bank

Age 46

Compensation -

Sex Male

Name / Title	Age	Compensation	Sex
Mr. Steven Tsavaris Executive Chairman of the Board	75	$1.137M USD	Male
Mr. Sergio Vaccaro Chief Financial Officer Executive Vice President	49	$547.4K USD	Male
Mr. Luis Gonzalez Executive Vice President Chief Operating Officer	42	-	Male
Ms. Madeline Marquez Senior Vice President of Ponce Bank	68	-	Female
Mr. Carlos Naudon President Chief Executive Officer Director	74	$1.186M USD	Male
Mr. Nick Lugo Independent Vice Chairman of the Board	82	$84.00K USD	Male
Mr. Ioannis Kouzilos Executive Vice President Chief Lending Officer of Ponce Bank	46	-	Male

Board of Directors

From the proxy statement filed Apr 22, 2026

Directors

serving now

Independent

1 of 3

stated in the proxy; 4 not stated

Average tenure

14.7 years

from year joined

CEO also chairs the board

Steven A. Tsavaris

Director	Age	On board	Independent	Committees	Other public boards	Pay
Steven A. Tsavaris Board chair	76	1990 36 years	Not independent	Executive Committee · Chair	None stated	Not stated
James Perez	53	2022 4 years	Not stated	Audit Committee Executive Compensation Committee	None stated	Not stated
Marlene Cintron	75	2026 0 years	Independent	None stated	None stated	Not stated
James C. Demetriou	79	2009 17 years	Not stated	Audit Committee · Chair Executive Compensation Committee Nominations Committee · Chair	None stated	Not stated
Nick R. Lugo	83	1999 27 years	Not stated	Audit Committee Executive Compensation Committee Nominations Committee Executive Committee	None stated	Not stated
Maria Alvarez	61	2019 7 years	Not stated	Nominations Committee	None stated	Not stated
Carlos P. Naudon CEO	75	2014 12 years	Not independent	Executive Committee	None stated	Paid as CEO

Each director opens the passage of the proxy that names them. "Not stated" means the proxy does not say; it never means "no". Pay is the proxy's Director Compensation table; the CEO is paid as an executive.

2 disclosed in the proxy filed Apr 22, 2026

Demetriou

director

Amount not stated

Outstanding loan from Ponce Bank, directly or indirectly, to director Demetriou.

With Ponce Bank Open in proxy

Perez

director

Amount not stated

Outstanding loan from Ponce Bank, directly or indirectly, to director Perez.

With Ponce Bank Open in proxy

Comments

Company Executives

$PDLB Management Team

Mr. Steven Tsavaris

Mr. Sergio Vaccaro

Mr. Luis Gonzalez

Ms. Madeline Marquez

Mr. Carlos Naudon

Mr. Nick Lugo

Mr. Ioannis Kouzilos

Board of Directors

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