Product & Service Guide by ConnectOne Bank

PRODUCT & SERVICE GUIDE

VERSION 5.0

CONTENTS SNAPSHOTS 01 CONSUMER 13 PRODUCTS 15 SERVICES 27

BUSINESS 31 PRODUCTS 33 SERVICES 43

III

SNAPSHOTS

TOTALLY FREE CHECKING

CONSUMER INTEREST CHECKING

OPENING AMOUNT

$1,000

BALANCE TO AVOID FEE

A minimum balance fee will be imposed if the average daily balance falls below $1,000

MAINTENANCE FEE

$10 below minimum balance fee

INTEREST

None

Two-tiered Rate • $0 - $999 • $1,000 and above

TRANSACTION LIMITS

None

CHECKS & DEPOSIT RECORDS

Ordered and paid for by Client as needed

CUSTOMER RECORDS

Easy-to-read monthly statement Transaction receipts Check register

No per-check charges Free check imaging Free e-banking Free Online bill pay service Free CNOB debit card *ATM limit $600 *Credit purchase (without PIN) limit $3,000 Free 24-hour banking at ConnectOne ATMs Free 24-hour telephone banking Free mobile banking app Free mobile remote deposit Optional overdraft protection (pending credit approval)

No per-check charges Free check imaging Free e-banking Free Online bill pay service Free CNOB debit card *ATM limit $600 *Credit purchase (without PIN) limit $3,000 Free 24-hour banking at ConnectOne ATMs Foreign ATM fees waived up to $10 per statement cycle* (see below) Free 24-hour telephone banking Free mobile banking app Free mobile remote deposit Optional overdraft protection (pending credit approval)

Online banking Online bill pay Mobile banking CNOB debit card Telephone banking Overdraft protection

None

*Foreign ATM fees will not be waived *Foreign ATM fees will not be waived if direct deposit is not received & if direct deposit is not received & average daily balance falls below average daily balance falls below $1,000 $500 No interest will be paid if average daily balance falls below $1,000

SPECIAL FEATURES

ASSOCIATED PRODUCTS

RESTRICTIONS

SIMPLY BETTER CHECKING

MONEY MARKET CHECKING

STATEMENT SAVINGS

IMPACT MONEY MARKET

$1,000

$2,500

OPENING AMOUNT

A minimum balance fee will be imposed if the average balance falls below $1,000 on any day of the week

$2,500

BALANCE TO AVOID FEE

$10 below minimum balance fee

$10 (if the balance falls below $2,500 any day of the week)

Variable rate

Three-tiered Rate • $0 - $999 • $1,000 - $2,499 • $2,500 and above

Three-tiered variable rate • $0 - $2,500 • $2,501- $750K : Premium Rate • $750K +

See restrictions below

Not applicable

Ordered and paid for by Client as needed

CHECKS & DEPOSIT RECORDS

Easy-to-read monthly statement Transaction receipts Savings register

Easy-to-read monthly statement Transaction receipts Check register

CUSTOMER RECORDS

Online banking Mobile banking CNOB ATM card Telephone banking *ATM limit $300

Online banking Online bill pay Mobile banking Telephone banking Free CNOB debit card *ATM limit $600 *Credit purchase (without PIN) limit $3,000

Free check imaging Free e-banking Free Online bill pay service Free CNOB debit card *ATM limit $600 *Credit purchase (without PIN) limit $3,000 Free 24-hour banking at ConnectOne ATMs Free 24-hour telephone banking Free mobile banking app Free mobile remote deposit

Online banking Mobile banking CNOB ATM card Telephone banking

Online banking Online bill pay Mobile banking CNOB debit card Telephone banking Overdraft protection

Online banking Online bill pay Mobile banking CNOB debit card Telephone banking

Transfers from a Savings account to another account or to third parties by preauthorized, automatic or telephonic (including data transmission) transfer or by check, draft, debit card or similar order made by the depositor and payable to third parties are limited to 6 per month. If you exceed these limitations more than occasionally, Federal Law requires us to either convert the account to a personal checking account or close the account. Fees for excessive transactions are $10 per item.

Transfers from a Money Market Checking account to another account or to third parties by preauthorized, automatic or telephonic (including data transmission) transfer or by check, draft, debit card or similar order made by the depositor and payable to third parties are limited to 6 per month. If you exceed these limitations more than occasionally, Federal Law requires us to either convert the account to a personal checking account or close the account. Fees for excessive transactions are $10 per item.

MAINTENANCE FEE INTEREST

TRANSACTION LIMITS

SPECIAL FEATURES

ASSOCIATED PRODUCTS

RESTRICTIONS

TIME DEPOSIT OPENING AMOUNT

CNOB CHECKING

$500

BALANCE TO AVOID FEE

Not applicable

MAINTENANCE FEE

Not applicable

Fixed rate throughout the item

Two-tiered blended variable rate • $0 - $50K : 1.25% • $50K + : 0.30%

TRANSACTION LIMITS

Not applicable

Deposits up to contribution limit per year

None

CHECKS & DEPOSIT RECORDS

Not applicable

Ordered and paid for by Client as needed

End of year statement

Easy-to-read monthly statement Transaction receipts Check register

Free e-banking Free 24-hour telephone banking

Free check imaging Free e-banking Free Online bill pay service Free CNOB debit card *ATM limit $600 *Credit purchase (without PIN) limit $3,000 Free 24-hour banking at ConnectOne ATMs Up to $10 Non CNOB ATM fees refunded per cycle Free 24-hour telephone banking Free mobile banking app Free mobile remote deposit

Online banking Mobile banking Telephone banking

Online banking Online bill pay CNOB debit card Telephone banking

Penalty of 7 days interest if term is 1-31 days; 90 days if term is 32 days6 months; 180 days if term is 6-24 months; 360 days if term is greater than 24 months Interest is calculated at simple interest if you withdraw all of the funds before maturity date Individual Retirement Accounts are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA agreement or your tax advisor for additional information

To earn the premier rate of interest on this account the client must have Direct Deposit and complete 5 transactions per month that include one or a blend of the following: -Check -ATM -POS -Online Bill pay If requirements are not met the client will earn the rate of 0.30% *Account is for Employees and grandfathered Connections & Connections Plus holders only. *Check order refunded for Employees

INTEREST

CUSTOMER RECORDS

SPECIAL FEATURES

ASSOCIATED PRODUCTS

RESTRICTIONS

IRA TIME DEPOSIT

NOTES

BUSINESS ANALYSIS CHECKING

SMALL BUSINESS CHECKING

BUSINESS MONEY MARKET CHECKING

OPENING AMOUNT

$25

$1,000

BALANCE TO AVOID FEE

A minimum balance fee will be imposed if the average balance falls below $1,000 on any day of the week

$25 monthly fee in excess of 500 transactions

$10 below minimum balance fee

Monthly $10

MAINTENANCE FEE

INTEREST

None

Three-tiered Rate • $0 - $999 • $1,000 - $2,499 • $2,500 and above

TRANSACTION LIMITS

None

See restrictions below

Prices vary

Easy-to-read monthly statement Transaction receipts Check register

Free check imaging Free e-banking Free Online bill pay service Fee free ACH origination Free CNOB debit card *ATM limit $600 *Credit purchase (without PIN) limit $3,000 Free 24-hour banking at ConnectOne ATMs Free 24-hour telephone banking Optional overdraft protection

Online banking with e-statement Online bill pay Mobile banking CNOB debit card Telephone banking Remote deposit capture

No fees if the number of transactions during the statement cycle is 500 or less For transactions exceeding 500 during the statement cycle, $25 charge will apply

Transfers from a Business Money Market Checking account to another account or to third parties by preauthorized, automatic or telephonic (including data transmission) transfer or by check, draft, debit card or similar order made by the depositor and payable to third parties are limited to 6 per month. If you exceed these limitations more than occasionally, Federal Law requires us to either convert the account to a business checking account or close the account. Fees for excessive transactions are $10 per item.

CHECKS & DEPOSIT RECORDS CUSTOMER RECORDS

SPECIAL FEATURES

ASSOCIATED PRODUCTS

RESTRICTIONS

Monthly maintenance fee & transaction fees may be offset by earnings credit at end of each statement cycle

None

BUSINESS INTEREST CHECKING

BUSINESS STATEMENT SAVINGS ACCOUNT

BUSINESS TIME DEPOSIT OPENING AMOUNT

$1,000

$500

A minimum balance fee will be imposed if the average balance falls below $1,000 any day of the week

Not applicable

BALANCE TO AVOID FEE

$10 below minimum balance fee

Not applicable

MAINTENANCE FEE

Two-tiered Rate • $0 - $999 • $1,000 and above

Variable rate

Fixed rate throughout the item

None

See restrictions below

Not applicable

TRANSACTION LIMITS

Prices vary

Not applicable

CHECKS & DEPOSIT RECORDS

Easy-to-read monthly statement Transaction receipts Check register

Easy-to-read monthly statement Transaction receipts Savings register

End of year statement

Online banking Online bill pay Mobile banking CNOB ATM card Telephone banking *ATM limit $300

Free e-banking Free 24-hour telephone banking

Online banking with e-statement Online bill pay Mobile banking CNOB debit card Telephone banking Remote deposit capture

Online banking with e-statement Online bill pay Mobile banking CNOB ATM card Telephone banking

None

Transfers from a Business Savings account to another account or to third parties by preauthorized, automatic or telephonic (including data transmission) transfer or by check, draft, debit card or similar order made by the depositor and payable to third parties are limited to 6 per month. If you exceed these limitations more than occasionally, Federal Law requires us to either convert the account to a business checking account or close the account. Fees for excessive transactions are $10 per item.

INTEREST

CUSTOMER RECORDS

SPECIAL FEATURES

ASSOCIATED PRODUCTS

RESTRICTIONS

BUSINESS IMPACT MONEY MARKET OPENING AMOUNT

$2,500

BALANCE TO AVOID FEE

$2,500

MAINTENANCE FEE

INTEREST

TRANSACTION LIMITS CHECKS & DEPOSIT RECORDS CUSTOMER RECORDS

SPECIAL FEATURES

ASSOCIATED PRODUCTS

RESTRICTIONS

$10 (if the balance falls below $2,500 on any single day) Three-tiered variable rate • $0 - $2,500 • $2,501 - $750K : Premium Rate • $750K +

See restrictions below

Prices vary Easy-to-read monthly statement Transaction receipts Check register

Online banking Online bill pay Mobile banking CNOB debit card Telephone banking Transfers from a Business Money Market Checking account to another account or to third parties by preauthorized, automatic or telephonic (including data transmission) transfer or by check, draft, debit card or similar order made by the depositor and payable to third parties are limited to 6 per month. If you exceed these limitations more than occasionally, Federal Law requires us to either convert the account to a business checking account or close the account. Fees for excessive transactions are $10 per item.

NOTES

CASH RESERVE

UNSECURED

SECURED

CREDIT CARD

Revolving

24 / 36 / 60 months

Commensurate with term of collateral

Revolving

$500 - $25,000

$2,000 - $25,000

Commensurate with amount of collateral not to exceed $1,000,000

$500 - $50,000

Collateral not applicable

CNOB savings or CNOB CD

Collateral not applicable

ACCEPTABLE LIEN POSITION

Not applicable

1st lien position

Not applicable

ACCEPTABLE LOAN TO VALUE

Not applicable

95% value of account used as collateral

Not applicable

ACCEPTABLE DEBT TO INCOME RATIO

45%

DTI not applicable

45%

MINIMUM CREDIT SCORE

650

MINIMUM INCOME DOCUMENTATION

Score >= 650 & credit limit < $5,000 = non; score < 680 & credit limit > $5,000 then 1 recent pay stub showing year to date income

Salaried - 1 recent pay stub showing year to date income Self employed - most recent year tax return

Documentation not required

Score >= 650 & credit limit < $10,000 = none; score < 680 & credit limit > $10,000 then 1 recent pay stub showing year to date income

None

14.00%

10.50%

Greater of Prime Rate or 2% over book rate

Variable - Prime + 5.90%

N/A

10.00%

N/A

TERMS

LOAN AMOUNT

ACCEPTABLE COLLATERAL

BANK FEES & CLOSING COSTS PAID BY CONSUMER

RATE WITHOUT AUTO DEDUCTION

RATE WITH AUTO DEDUCTION

AUTO - NEW

HOME EQUITY LINE

AUTO - USED

HOME EQUITY LOAN

12 / 24 /36 / 48 / 60 months

12 / 24 /36 / 48 months

Draw period 5 years Interest only minimum payment required for first 5 years Any balance remaining after draw period ends with fully amortize over 10 years

$2,500 - $100,000

$25,000 - $1,000,000

Automobiles for noncommercial use

Automobiles for noncommercial use Maximum age 6 years

1-4 family owner occupied and 1 family vacation homes

1st lien position

1st and 2nd lien position

80% LTV - borrower(s) must put 20% down

75% LTV / CLTV

45%

43%

ACCEPTABLE DEBT TO INCOME RATIO

650

MINIMUM CREDIT SCORE

Salaried - 1 recent pay stub showing year to date income Self employed - most recent year tax return

Salaried - Recent pay stubs covering 1 full month income plus last 2 years’ w-2s & federal tax returns Self employed - Most recent 2 years’ personal & business returns

MINIMUM INCOME DOCUMENTATION

None, however borrower(s) responsible for all applicable DMV fees and taxes

If line is paid/closed within the first 2 years and average usage is less than 50% of line, an early term fee of $2,500 may apply Appraisal fees applicable for lines > $250,000 Title ins required for lines in 1st lien position where credit limit is >= $150,000

Appraisal fees applicable for loans > $250,000 Title insurance required for lines in 1st lien position and loan is >= $150,000

12-36 months = 6.25% 48 months = 6.50% 60 months = 6.75%

12-36 months = 7.00% 48 months = 7.50%

Prime + .50 Floor rate = Prime Max rate = 16%

60 months = 6.50% 120 months = 6.75% 180 months = 7.00%

RATE WITHOUT AUTO DEDUCTION

12-36 months = 5.75% 48 months = 6.50% 60 months = 6.75%

12-36 months = 6.50% 48 months = 7.00%

Prime Floor rate = Prime Max rate = 16.00%

60 months = 6.00% 120 months = 6.25% 180 months = 6.50%

RATE WITH AUTO DEDUCTION

Fixed rate - 60 / 120 / 180 months

TERMS

LOAN AMOUNT

ACCEPTABLE COLLATERAL ACCEPTABLE LIEN POSITION ACCEPTABLE LOAN TO VALUE

BANK FEES & CLOSING COSTS PAID BY CONSUMER

CONSUMER PRODUCTS & SERVICES

TOTALLY FREE CHECKING ConnectOne’s Totally Free Checking Account with its current features serves as an alternative to the New Jersey Consumer Checking.

FEATURE

PRODUCT INFORMATION

Opening Amount

Minimum Balance Requirement

Maintenance Fee

Interest

None

Transaction Limitations

None

Checks and Deposit Slips

Ordered and Paid for by client as needed Easy-to-read monthly statement Transaction Receipts Check Register

Customer records

Special features

Associated Products

Restrictions

No per-check charges Free check imaging Free e-banking Free Online bill pay service Free CNOB debit card *ATM Limits $600 *Debit Purchase (with PIN) Limit $1000 *Credit Purchase (without PIN) Limit $3000 Free 24-hour banking at ConnectOne’s ATMs Free 24-hour telephone banking Free Mobile Banking App Free Mobile Remote Deposit Optional Overdraft Protection (pending credit approval) Online Banking/Bill pay Mobile Banking CNOB Debit Card Telephone banking Overdraft Protection None

SIMPLY BETTER CHECKING Designed for clients who are looking to offset ATM fees by maintaining qualifying balances and having direct deposit.

FEATURE

PRODUCT INFORMATION

Opening Amount

Minimum Balance Requirement

Maintenance Fee

Interest

None

Transaction Limitations

None

Checks and Deposit Slips

Ordered and Paid for by client as needed Easy-to-read monthly statement Transaction Receipts Check Register

Customer records

Special features

Associated Products

Restrictions

No per-check charges Free check imaging Free e-banking Free Online bill pay service Free CNOB debit card *ATM Limits $600 *Debit Purchase (with PIN) Limit $1000 *Credit Purchase (without PIN) Limit $3000 Free 24-hour banking at ConnectOneâ&#x20AC;&#x2122;s ATMs *Up to $10 foreign ATM fees waived if qualifications are met Free 24-hour telephone banking Free Mobile Banking App Free Mobile Remote Deposit Optional Overdraft Protection (pending credit approval) Online Banking/Bill pay Mobile Banking CNOB Debit Card Telephone banking Overdraft Protection *Direct Deposit and minimum average daily balance of $500 required to offset foreign ATM fees

MONEY MARKET CHECKING Designed for clients wishing to earn a higher rate of interest on a checking type product, but who can stay within the transaction limitations.

FEATURE

PRODUCT INFORMATION

Opening Amount

$1,000

Minimum Balance Requirement

A minimum balance fee will be imposed if the average balance falls below $1,000 any day of the week

Maintenance Fee

$10 below minimum balance fee

Excessive Transaction Fee

$10 per item

Interest

Three-tiered variable rate • $0 - $999 • $1000 - $2499 • $2500 and above

Transaction Limitations

See restrictions below

Checks and Deposit Slips

Ordered and Paid for by Client as needed

Customer records

Easy-to-read monthly statement Transaction Receipts Check Register

Special features

Free check imaging Free e-banking Free Online bill pay service Free CNOB debit card *ATM Limits $600 *Debit Purchase (with PIN) Limit $1000 *Credit Purchase (without PIN) Limit $3000 Free 24-hour banking at ConnectOne’s ATMs Free 24-hour telephone banking Free Mobile Banking App Free Mobile Remote Deposit Optional Overdraft Protection (pending credit approval) Online Banking/Bill pay Mobile Banking CNOB Debit Card Telephone banking

Associated Products

Restrictions

CONSUMER INTEREST CHECKING Designed for clients who are looking to earn interest on their checking account.

FEATURE

PRODUCT INFORMATION

Opening Amount

$1,000

Minimum Balance Requirement

A minimum balance fee will be imposed if the average daily balance falls below $1,000

Maintenance Fee

$10 below minimum balance fee

Interest

Two-tiered Rate • $0-$999 • $1,000 and above None

Transaction Limitations Checks and Deposit Slips Customer records

Ordered and Paid for by client as needed Easy-to-read monthly statement Transaction Receipts Check Register

Special features

Associated Products

Online Banking/Bill pay Mobile Banking CNOB Debit Card Telephone banking Overdraft Protection *Direct Deposit and minimum average daily balance of $1,000 required to offset foreign ATM fees

Restrictions

IMPACT MONEY MARKET CHECKING Designed for clients wishing to earn a higher rate of interest on new money brought in from another institution.

FEATURE

PRODUCT INFORMATION

Opening Amount

$2,500

Minimum Balance Requirement

$2,500

Maintenance Fee

$10 (if the balance falls below $2,500 on any single day)

Excessive Transaction Fee

$10 per item

Interest

Three-tiered variable rate (Not a blended rate) • $0 - $2500 • $2,501 - $750K • $750K and above

Transaction Limitations

See restrictions below

Checks and Deposit Slips

Ordered and Paid for by Client as needed

Customer records

Easy-to-read monthly statement Transaction Receipts Check Register

Special features

Associated Products

Online Banking/Bill pay Mobile Banking CNOB Debit Card Telephone banking

Restrictions

STATEMENT SAVINGS Designed for clients who do not want to worry about keeping a minimum balance and are interested in earning interest on their savings.

FEATURE

PRODUCT INFORMATION

Opening Amount

Minimum Balance Requirement Maintenance Fee

None

Interest

Variable rate

Transaction Limitations

See restrictions below

Checks and Deposit Slips

Not applicable

Customer records

Easy-to-read monthly statement Transaction Receipts Check Register

Special features

Free e-banking Free ATM card *ATM Limits $300 Free 24-hour banking at ConnectOneâ&#x20AC;&#x2122;s ATMs Free 24-hour telephone banking Free Mobile Banking App Free Mobile Remote Deposit

Associated Products

Online Banking Mobile Banking CNOB ATM Card Telephone banking

Restrictions

None

TIME DEPOSIT Designed for clients who would like to earn a competitive rate of interest on a product governed by a term.

FEATURE

PRODUCT INFORMATION

Opening Amount Minimum Balance Requirement Maintenance Fee Interest Transaction Limitations Early Withdrawal Provisions

$500 Not applicable Not applicable Fixed rate throughout the term None Withdrawal penalties are as follows: 7 days interest penalty for term 1-31 days 90 days interest penalty for term 32 days up to but not including 6 months 180 days interest penalty for term 6 months up to but not including 24 months 360 days interest penalty for term 24 months and longer Not applicable End of Year statement Free e-banking Free 24-hour telephone banking Online Banking Mobile Banking Telephone banking Account will renew automatically at maturity you will have a grace period of 10 calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Interest is calculated at simple interest if you withdraw all of the funds before maturity date.

Checks and Deposit Slips Customer records Special features Associated Products

Renewal Policies

Restrictions

INDIVIDUAL RETIREMENT ACCOUNT (IRA Time Deposit) Designed for clients who would like to earn a competitive rate of interest on a product governed by a term.

FEATURE

PRODUCT INFORMATION

Opening Amount Minimum Balance Requirement Maintenance Fee Interest Transaction Limitations Early Withdrawal Penalties

$500 Not applicable Not applicable Fixed rate throughout the term None Withdrawal penalties are as follows: 7 days interest penalty for term 1-31 days 90 days interest penalty for term 32 days up to but not including 6 months 180 days interest penalty for term 6 months up to but not including 24 months 360 days interest penalty for term 24 months and longer Not applicable End of Year statement Free e-banking Free 24-hour telephone banking Online Banking Mobile Banking Telephone banking Account will renew automatically at maturity you will have a grace period of 10 calendar days after the maturity date to withdraw the funds without being charged an early withdrawal penalty. Individual Retirement Accounts are subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see your IRA agreement or your tax advisor for additional information.

Checks and Deposit Slips Customer records Special features Associated Products

Renewal Policies

Restrictions

CNOB CHECKING Employees, Grandfathered Connections & Connections Plus Clients. Not to be sold to external clients.

FEATURE

PRODUCT INFORMATION

Opening Amount Minimum Balance Requirement Maintenance Fee Interest

$1 None None Two-tiered blended variable rate • $0 - $50K • $50K and above None Ordered and Paid for by Client as needed End of Year statement Free e-banking Free Online bill pay service Free CNOB debit card *ATM Limits $600 *Debit Purchase (with PIN) Limit $1000 *Credit Purchase (without PIN) Limit $3000 Free 24-hour banking at ConnectOne’s ATMs Free 24-hour telephone banking Free Mobile Banking App Free Mobile Remote Deposit Online Banking/Bill pay Mobile Banking CNOB Debit Card Telephone banking To earn the premier rate of interest on this account the client must have Direct Deposit and complete 5 transactions per month that include one or a blend of the following: -Check -ATM -POS -Online Bill pay If requirements are not met the client will earn the lesser rate. *Check order refunded for Employees

Transaction Limitations Checks and Deposit Slips Customer records Special features

Associated Products

Restrictions

NOTES

CHECKING TOTALLY FREE CHECKING There’s no monthly service charge and no minimum balance requirement and you have the ability to write as many checks as you need. You’ll also get an easy-to-read monthly statement with imaged checks, free EMV Debit MasterCard®, free online banking, free bill pay, free mobile deposit.

SIMPLY BETTER CHECKING This account has all the features of Totally Free Checking, with the benefit of having up to $10 of foreign ATM fees refunded each month, if direct deposit is received and a $500 minimum daily average balance is maintained.

CONSUMER INTEREST CHECKING This account has all the features of Simply Better Checking, plus it pays a competitive interest rate on balances of $1,000 or more. The account requires a direct deposit as well as maintaining $1,000 minimum average daily balance to avoid monthly $10 maintenance fee, and to have up to $10 foreign ATM fees refunded each month.

MONEY MARKET CHECKING This account pays a competitive rate on balances from $1,000 up to $2,500 and a premium rate on balances of $2,500 or more. The account requires maintaining $1,000 minimum monthly average balance to avoid a monthly $10 maintenance fee. Limit of 6 transactions per statement cycle.

IMPACT MONEY MARKET CHECKING This account pays a premium rate on balances from $2,500 up to $750K. The account requires the funds used to open are from an outside instituion. Limit of 6 transactions per statement cycle, and a minimum balance of $2,500 to avoid a $10 maintenance fee.

SAVINGS STATEMENT SAVINGS Our statement savings accounts earn you interest with no minimum balance and no minimum deposit to open your account. In addition, there are no monthly maintenance fees and we offer up to 6 transfers each statement cycle.

TIME DEPOSIT ConnectOne offers terms ranging from 7 days to 60 months, so you can be assured that you will always have the right option to meet your investment goals. Open your ConnectOne CD with as little as $500!

INDIVIDUAL RETIREMENT ACCOUNT (IRA) ConnectOne offers terms ranging from 7 days to 60 months, so you can be assured that you will always have the right option to meet your retirement goals. Open your ConnectOne IRA CD with as little as $500!

OTHER CNOB DEBIT CARD ConnectOne Bank offers the EMV Debit MasterCard®. You can use it to withdraw cash and make purchases at thousands of locations nationwide.

CNOB ATM CARD Can be used to withdraw cash at ATMs

CNOB CHECKING There’s no monthly service charge and no minimum balance requirement and you have the ability to earn a premium rate on balances up to $50K. You’ll also get an easy-to-read monthly statement with imaged checks, free EMV Debit MasterCard®, free online banking, free bill pay, free mobile deposit.

FREE ONLINE BANKING Access your ConnectOne Bank accounts 24 hours a day at www.ConnectOneBank.com

Instant access to account information Check your account balances Verify account transactions Transfer funds between your ConnectOne Bank accounts Order checks Issue stop payments Safe, secure and easy to use E-Statements available

FREE ONLINE BILL PAY Pay bills electronically â&#x20AC;&#x201C; no checks to write, no waiting in line at the post office Schedule recurring payments in advance to ensure your payments are on time

PEOPLE PAY Send money to anyone using their bank account information, mobile number, email or PayPal

CONSUMER MOBILE BANKING ConnectOne Bankâ&#x20AC;&#x2122;s Mobile Banking App allows us to connect with you, no matter where you are! Access your personal banking account to check balances, view transaction history, pay bills, transfer funds between account or via Zelle, and deposit checks anytime, from anywhere. Mobile Banking is available for iPhone & Android devices.

BANK BY PHONE Enjoy free telephone banking at ConnectOne Bank. Bank By Phone delivers instant account information and more with just one phone call. Enroll now and use Bank By Phone toll-free anytime day or night, 365 days a year by dialing 800-335-3078

Check your account balances Find out your available funds Check your latest deposits Find out when checks clear Check your transactions, interest postings, maturity dates, interest rates and more Transfer funds between your accounts Make stop payments

MOBILE DEPOSIT CAPTURE Remote Mobile Capture allows you to securely deposit checks into your Consumer Accounts using your smartphone! Endorse your check, take a picture of the front and back, choose your account, and your deposit is complete! It’s easy, fast and FREE!

MASTERCARD GIFT CARDS Our pre-paid cards are backed by ConnectOne Bank and MasterCard®, and are accepted virtually everywhere — so there’s no risk to your personal information. Cards can be issued from $10 - $500 with no additional fee.

INSTALLMENT LOANS Auto (New or Used), Personal Loans (secured or unsecured)

CREDIT CARD SERVICES A VISA® Credit Card to be used anywhere VISA® is accepted, that offers unique credit limits as approved by the Bank.

MORTGAGES ConnectOne Bank offers a variety of Fixed-Rate and Adjustable-Rate Mortgage plans that can be tailored to your needs.

HOME EQUITY LOAN Fixed rate loan with available terms of 60 / 120 / 180 months.

HOME EQUITY LINES OF CREDIT Choose a ConnectOne Bank Equity Line of Credit and use the funds when and how you please by simply writing a check. Draws can be taken for the first 5 years with the minimum payments.

CASH RESERVE A line of credit linked to your personal checking account that offers you protection against overdrafts. Lines of credit are available up to $25,000 and subject to credit approval. Pay interest only on outstanding loan balances.

NOTES

BUSINESS PRODUCTS & SERVICES

SMALL BUSINESS CHECKING Designed for clients looking for a business checking product that will not cost high fees to do business.

FEATURE

PRODUCT INFORMATION

Opening Amount Minimum Balance Requirement Maintenance Fee

$0 None $25 monthly fee in excess of 500 transactions None None Prices Vary Easy-to-read monthly statement Transaction Receipts Check Register No per-check charges Free check imaging Free e-banking Free Online bill pay service Fee Free ACH Origination Free CNOB debit card *ATM Limit $600 *Debit Purchase (with PIN) Limit $1000 *Credit Purchase (without PIN) Limit $3000 Free 24-hour banking at ConnectOneâ&#x20AC;&#x2122;s ATMs Free 24-hour telephone banking Online Banking w/eStatement Online bill pay Mobile Banking CNOB Debit Card Telephone banking Remote Deposit Capture Machine No fees if the number of transactions during the statement cycle is 500 or less. For transactions exceeding 500 during the statement cycle, $25 charge will apply.

Interest Transaction Limitations Checks and Deposit Slips Customer records

Special features

Associated Products

Restrictions

BUSINESS ANALYSIS CHECKING Designed for business clients with high volume of transactions.

FEATURE

PRODUCT INFORMATION

Opening Amount Minimum Balance Requirement Maintenance Fee

$25 None Monthly $10

Interest Transaction Limitations Checks and Deposit Slips Customer records

Special features

Associated Products

Restrictions

Monthly Maintenance fee and transaction fees may be offset by earnings credit at end of each statement cycle None None Prices Vary Easy-to-read monthly statement Transaction Receipts Check Register Free check imaging Free e-banking Free Online bill pay service Fee Free ACH Origination Free CNOB debit card *ATM Limit $600 *Debit Purchase (with PIN) Limit $1000 *Credit Purchase (without PIN) Limit $3000 Free 24-hour banking at ConnectOneâ&#x20AC;&#x2122;s ATMs Free 24-hour telephone banking Online Banking w/eStatement Online bill pay Mobile Banking CNOB Check Card Telephone banking Remote Deposit Capture None

BUSINESS MONEY MARKET CHECKING Special high interest money market account to be offered to prospective high balance business clients.

FEATURE

PRODUCT INFORMATION

Opening Amount

$1,000

Minimum Balance Requirement

A minimum balance fee will be imposed if the average balance falls below $1,000 any day of the week

Maintenance Fee

$10 below minimum balance fee

Excessive Transaction Fee

$10 per item

Interest

Three-tiered variable rate • $0 - $999 • $1000 - $2499 • $2500 and above

Transaction Limitations

See restrictions below

Checks and Deposit Slips

Prices Vary

Customer records

Easy-to-read monthly statement Transaction Receipts Check Register

Special features

Associated Products

Online Banking w/eStatement Online bill pay Mobile Banking CNOB Debit Card Telephone banking

Restrictions

BUSINESS INTEREST CHECKING Designed for business clients who are interested in earning interest without worrying about transaction limitations.

FEATURE

PRODUCT INFORMATION

Opening Amount

$1,000

Minimum Balance Requirement

A minimum balance fee will be imposed if the average balance falls below $1,000 any day of the week. $10 below minimum balance fee

Maintenance Fee Interest

Two-tiered variable rate • $0 - $999 • $1,000 and above

Transaction Limitations

None

Checks and Deposit Slips

Prices Vary

Customer records

Easy-to-read monthly statement Transaction Receipts Check Register

Special features

Free check imaging Free e-banking Free Online bill pay service Free CNOB debit card *ATM Limit $600 *Debit Purchase (with PIN) Limit $1000 *Credit Purchase (without PIN) Limit $3000 Free 24-hour banking at ConnectOne’s ATMs Free 24-hour telephone banking Free Mobile Banking App Free Mobile Remote Deposit

Associated Products

Online Banking w/eStatement Online bill pay Mobile Banking CNOB Debit Card Telephone banking

Restrictions

None

BUSINESS STATEMENT SAVINGS Designed for business clients who do not want to worry about keeping a minimum balance and are interested in earning interest on their savings.

FEATURE

PRODUCT INFORMATION

Opening Amount

Minimum Balance Requirement Maintenance Fee

None

Interest

Variable rate

Transaction Limitations

See restrictions below

Checks and Deposit Slips

Not applicable

Customer records

Easy-to-read monthly statement Transaction Receipts Savings Register

Special features

Free e-banking Free ATM card *ATM Limits $300 Free 24-hour banking at ConnectOneâ&#x20AC;&#x2122;s ATMs Free 24-hour telephone banking Free Mobile Banking App Free Mobile Remote Deposit

Associated Products

Online Banking w/eStatement Mobile Banking CNOB ATM Card Telephone banking

Restrictions

None

BUSINESS IMPACT MONEY MARKET CHECKING Designed for clients wishing to earn a higher rate of interest on new money brought in from another institution.

FEATURE

PRODUCT INFORMATION

Opening Amount

$2,500

Minimum Balance Requirement Maintenance Fee

$2,500 $10 (if the balance falls below $2,500 on any single day)

Excessive Transaction Fee $10 per item Interest Three-tiered variable rate (Not a blended rate) • $0 - $2500 • $2,501 - $750K • $750K and above Transaction Limitations

See restrictions below

Checks and Deposit Slips

Prices Vary

Customer records

Easy-to-read monthly statement Transaction Receipts Check Register

Special features

Associated Products

Online Banking/Bill pay Mobile Banking CNOB Debit Card Telephone banking

Restrictions

BUSINESS TIME DEPOSIT Designed for business clients who would like to earn a competitive rate of interest on a product governed by a term.

FEATURE

PRODUCT INFORMATION

Opening Amount Minimum Balance Requirement Maintenance Fee Interest Transaction Limitations Early Withdrawal Provisions

Checks and Deposit Slips Customer records Special features Associated Products

Renewal Policies

Restrictions

RENT SECURITY ACCOUNT Landlord/Tenant depository account.

FEATURE

PRODUCT INFORMATION

Opening Amount

Minimum Balance Requirement Maintenance Fee

None

Interest

Variable rate

Transaction Limitations

None

Checks and Deposit Slips

Not applicable

Customer records

Easy-to-read monthly statement Transaction Receipts

Special features

Houses individual tenant sub accounts. Sub accounts accrue interest that is paid out by check at year end

Associated Products

Online Banking

Restrictions

“Landlord” to set up the account for the “Tenant”. Must have a completed W-9 for the “Tenant”. “Landlord” is the authorized signing party.

None

CHECKING SMALL BUSINESS CHECKING Our Small Business Checking offers no minimum balance requirement and unlimited check writing. The account offers 500 free transactions (deposits, deposited items & paid items) per month. If you should exceed 500 transactions, there is a $25 monthly service charge. (Also available for escrow accounts.)

BUSINESS ANALYSIS CHECKING ConnectOne’s Business Checking requires only a $25 minimum balance and offers unlimited check writing. A monthly maintenance fee of $10 plus activity fees are charged to the account, which have the ability to be offset by an earnings credit at the end of each statement cycle

BUSINESS MONEY MARKET CHECKING There is no monthly service charge when you maintain an average balance of just $1,000 or more. If balance falls below that amount, a $10 service charge will apply for that statement cycle. You’ll earn a competitive rate of interest on balances over $1,000 up to $2,500 and a premium rate of interest on all balances of $2,500 or more. Make up to 6 transactions each statement cycle. You’ll also enjoy fee-free online banking and bill pay service.

BUSINESS IMPACT MONEY MARKET CHECKING There is no monthly service charge when you maintain a daily balance of just $2,500 or more. If balance falls below that amount, a $10 service charge will apply for that statement cycle. You’ll earn a premium rate of interest on balances over $2,500 up to $750K. Make up to 6 transactions each statement cycle. You’ll also enjoy fee-free online banking and bill pay service.

BUSINESS INTEREST CHECKING Earn interest on your average collected checking balances. This account offers a competitive rate that may vary based on market conditions. Minimum balance of $1,000 required to earn interest. A $10 monthly maintenance fee will be applied if average balance falls below $1,000 any day of the week during statement cycle.

SAVINGS BUSINESS STATEMENT SAVINGS Save for your business and earn interest with no minimum balance and no minimum deposit to open your account. In addition, there are no monthly maintenance fees and we offer up to 6 transfers each statement cycle.

RENT SECURITY ACCOUNT These accounts are available for individuals with single rental units up to conglomerates with multiple locations and numerous units. Owners of multiple unit locations may organize portfolios with an unlimited number of Rent Security accounts. Interest checks will be automatically generated and sent to tenants annually. 1099 Tax reporting forms will be sent to tenants receiving over $10 in interest. Weâ&#x20AC;&#x2122;ll also provide a monthly Tenant listing report.

BUSINESS TIME DEPOSIT ConnectOne offers terms ranging from 7 days to 60 months, so you can be assured that you will always have the right option to meet your investment goals. Open your ConnectOne CD with as little as $500!

OTHER IOLTA ACCOUNTS Available for eligible attorneys.

CNOB BUSINESS DEBIT CARD The ConnectOne MasterCardÂŽ Debit Card allows you and any designated employees to make purchases for your business which are funded by your business checking account, as well as the ability to withdraw cash from ATMs nationwide. Specific transaction limits may be established for each issued card.

ONLINE BANKING WITH BILL PAY Online Banking makes managing your accounts easier than ever! Our Online Banking is fast, free and accessible at any time for your personal and business use.

Instant access to account information Check balances, see if checks were paid and verify deposits Transfer funds between accounts Issue stop payments Pay bills electronically â&#x20AC;&#x201C; no checks to write, no waiting in line at the post office Safe, secure and easy to use No monthly fees for online service or for bill payment

BUSINESS MOBILE BANKING Manage your business accounts on the go with the ConnectOne Business Mobile Banking App! Our Business Mobile Banking app lets you manage your business accounts online by: checking account balances, viewing your account history, locating ConnectOne branches & ATMs, transferring funds between your ConnectOne accounts and paying your bills. Business Mobile Banking is available for iPhone & Android devices.

REMOTE DEPOSIT CAPTURE Remote Deposit Capture permits clients to scan all checks on site and electronically deposit the funds into your ConnectOne account. The service will provide the images of all checks scanned.

TREASURY DIRECT Treasury Direct allows you to initiate Domestic and International wire transfers right from your desktop. Skip the trip to the bank and log in to Online Banking to submit wire transfers to the bank in a fast and secure way.

ACH ORIGINATION Process payments or your receivables for your business through ConnectOne Bank. Whether you need to process payroll or send payments, we offer two safe and secure way to process ACH â&#x20AC;&#x201D; through our Online Banking platform or through a secure FTP transmission.

LOCKBOX Lockbox service offers your business fast and flexible payment processing, reporting and delivery. Your payments and invoices can be sent to your ConnectOne lockbox where they will be automatically processed into your account. For added convenience, the checks and invoices will be archived on the online system for reference and reporting.

CHECK OR ACH POSITIVE PAY Protect yourself from fraud! Check Positive Pay allows you to upload the checks you issue and cross check the uploads with each payment. Receive an immediate alert if the data doesnâ&#x20AC;&#x2122;t match up and decide whether to pay or return the item. ACH Positve Pay allows you to manage disbusements by creating payment permissions.

MERCHANT CARD SERVICES If you currently accept or want to accept credit card payments, our Merchant Card Services can make it happen. And our fees are competitive, too.

COMMERCIAL LOANS Whether your business is expanding, diversifying, purchasing new equipment, or buying real estate, ConnectOneâ&#x20AC;&#x2122;s experienced business bankers will take the time to carefully analyze your needs and help you identify the financing resources your company needs.

LINES OF CREDIT Manage seasonal cash flow, increase inventory, or take advantage of an unexpected opportunity with a Commercial Line of Credit.

COMMERCIAL MORTGAGES Competitive fixed or variable rate mortgages provide long-term financing for the purchase or refinance of commercial real estate.

TERM LOANS Term loans are available to finance your companyâ&#x20AC;&#x2122;s long-term capital requirements, such as permanent working capital, the purchase of commercial vehicles, equipment or other fixed assets. Term loans are available on a straight-term or under a revolving facility.

BUSINESS CREDIT CARD SERVICES A VISAÂŽ Credit Card to be used by Business Principals and/or designated employees that offers unique credit limits to selected individuals with aggregate limit equal to the total line of credit approved by the Bank.

NOTES