Personal. & Products Services. Sterling Silver Money Market. Sterling Silver Checking. Mobile Banking. Sterling Professional Checking Senior Checking

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1 Personal & Products Services VISA Health Savings Account Online Banking Sterling Professional Checking Senior Checking Certificate of Deposit CDARS Program E-Statements Statement Savings Online Bill Pay Debit Card Sterling Silver Money Market Individual Retirement Account Sterling Silver Checking Mobile Banking Sterling At Work Overdraft Protection NOW Checking Safe Deposit Box

2 Deposit Services

3 DEPOSIT SERVICES 3 Certificate of Deposit (CD) CDARS Program Checking Accounts Sterling Professional Sterling Silver Sterling Senior No-Fee Sterling NOW Sterling At Work Individual Retirement Account (IRA) Money Market Account Savings Account Certificate of Deposit (CD) Sterling offers a full complement of CD s including terms from 3 months to 5 years. Recent changes in FDIC insurance may affect your CD investments; a Sterling customer service representative can provide you information on the latest regulations. Note: Please see your tax advisor for specific investment advice. CDARS Program Sterling National Bank is a member of the Certificate of Deposit Account Registry Service (CDARS) the easiest, most convenient way to obtain full FDIC insurance on CD deposits up to $50 million. Your entire investment is eligible for FDIC protection because it is broken into smaller amounts and placed with other banks that are members of the CDARS network. Everything is handled through Sterling you earn one interest rate, receive one regular statement detailing your entire portfolio, and at maturity, Sterling arranges disbursements or re-investment based on your direction. Sterling Professional Checking Our Professional checking account is an interestbearing account 1 that can be linked with additional checking, statement savings, money market, CD and/or IRA accounts; the combined balances can be applied towards the minimum average daily balance requirement. Professional checking accountholders can take advantage of a tiered interest rate structure based upon account balance. Sterling also provides automatic rebates on fees charged at non-sterling ATM s (up to $15.00 per month). And as with all Sterling accounts, you receive a Sterling ATM/debit card, free online banking, bill payment and convenient e-statements. A monthly maintenance fee will apply for accounts that do not meet the checking account average daily balance requirement of $25,000 (or $100,000 in all combined accounts). Sterling Silver Checking Sterling Silver Checking is a relationship-based account, linking your checking account with your statement savings, money market, CD and/or IRA accounts. The combined balances can be applied towards the minimum average daily balance requirement. Sterling Silver accountholders receive a Sterling ATM/debit card, free online banking, bill payment and convenient e-statements. A monthly maintenance fee will apply for accounts that do not meet the checking account average daily balance requirement of $2,500 (or $3,500 in all combined accounts).

4 4 DEPOSIT SERVICES Sterling Senior No-Fee Checking To provide the utmost in cost-effective banking services to our senior community, Sterling provides no fee checking for individuals aged 62 or older. This account waives the minimum balance requirement and has no monthly maintenance fee; plus there are no transaction limitations or per check charges. Senior accountholders can also take advantage of free traveler s checks, one year free safe deposit box rental (2"x5" for new accounts only), ATM/ debit card, free online banking, bill payment and convenient e-statements. Direct deposit of social security or other government payments can easily be arranged. Joint accounts are permitted as long as one accountholder is aged 62 or older. Sterling NOW Checking Sterling NOW checking is an interest-bearing checking account, with interest compounded daily and credited monthly 1. Sterling also provides an ATM/debit card, free online banking, bill payment and convenient e-statements. There are no transaction limitations; however, in order to earn interest and avoid monthly maintenance and transaction fees, a minimum average daily balance of $3,500 is required. Sterling At Work Checking Employees of businesses enrolled in the Sterling At Work program are entitled to receive a comprehensive package of complimentary financial services including: FREE checking no minimum balance requirements with direct deposit of payroll or social security FREE first order of starter checks FREE online banking FREE online bill pay FREE ATM/Debit Card FREE ATM Services at Sterling ATM s All employees of the City of New York are eligible for the Sterling At Work checking account. Please note: Sterling offers overdraft protection for qualifying checking account customers. In accordance with NY State banking regulations, Sterling offers Lifeline Checking. Please see a Sterling representative for details on any of these items.

5 DEPOSIT SERVICES 5 Individual Retirement Accounts (IRA) Sterling offers a variety of IRA accounts Individual, Spousal, Roll-over, and Roth IRA s, available with fixed or variable interest rates. Federal regulations regarding contribution and disbursement amounts change yearly; please speak to a Sterling representative who can provide you with the most recent regulations governing IRA accounts. Sterling Silver Money Market Account Our Sterling Silver Money Market Account offers the convenience of an interest bearing account with check writing privileges. Interest is compounded daily and is credited monthly. 1,2 Sterling Silver Savings Account Grow your savings with the tiered interest rate feature of our Sterling Silver Savings account. The interest you earn is compounded daily and credited monthly; deposits can be made in person, by mail, or by automatic recurring transfers from another Sterling account utilizing Sterling online banking. 1,2 (1) Interest rates fluctuate with market conditions and are subject to change without notice. (2) There are specific regulatory requirements that govern the type and frequency of transactions for savings and money market accounts. Please refer to your Account Terms & Agreement for details.

6 Cash Management Services

7 CASH MANAGEMENT SERVICES 7 24/7 Phone Banking Debit Card E-Statements Mobile Banking Online Banking and Bill Pay 24/7 Phone Banking For those times when online access or fax are not convenient, Sterling 24/7 Phone Banking provides an automated service to check balances and transactions or transfer money between accounts by phone. Debit Card The Sterling VISA Debit Card allows you to make purchases at retail locations, online, on the phone anywhere Visa is accepted. The card works just like a check, but with the convenience and versatility of a credit card. Plus you can get cash, transfer funds, and access your account balances at virtually any ATM. Each transaction will be reflected on your monthly statement, and can be viewed online with Sterling Online Banking. E-Statements Receive your statement faster, reduce paper waste and have your bank account information available at your fingertips all with Sterling e-statements. Sterling e-statements are available in conjunction with all our deposit accounts. The day following the end of your statement period, you will receive an directing you to a secure web site where you can download your statement as well as view images of paid checks (front and back). Mobile Banking Sterling is pleased to offer personal accountholders mobile banking through our online banking service. Sterling Mobile Banking lets you conduct your day-to-day banking via your cell phone. It s fast, easy, convenient and accessible on a wide range of phones across several U.S. wireless carriers; plus your information is protected by 128-bit encryption, just as it is when you bank online. To begin using Sterling Mobile Banking, login to your Sterling Online Banking account and follow the enrollment steps. Online Banking and Bill Pay Sterling Online Banking is the most convenient way for you to track and manage your personal finances because you can bank virtually anywhere at anytime. Sterling s secure website allows you to access account and loan information, verify account activity, make loan payments, transfer money, pay bills, view cleared checks, print statements and place stop payments.

8 Special Programs & Other Services

9 SPECIAL PROGRAMS & OTHER SERVICES 9 Health Savings Account Professional Banking Residential Mortgage Loans Safe Deposit Box Traveler s Checks & Gift Cards Health Savings Account Sterling s Health Savings Account is a tax-exempt account allowing you to pay for qualified medical expenses you have incurred. With an HSA you can plan and save for medical expenses, potentially realize tax savings and the account remains active regardless of changes in employment. Your account is accessed through checks or a Sterling Debit Card and you can manage your account online through Sterling s Online Banking. Your Sterling Customer Service Representative can provide the most current account qualifications and contribution limitations. Professional Banking Professional services firms, not-for-profits, unions, and real estate management companies can tap into our Professional Banking group. Special services include a dedicated account service team, afterhours emergency coverage plus VIP invitations to Sterling sponsored-networking events and business development opportunities. Our experienced team is well-versed in creating a unique package of products to meet your particular needs. Residential Mortgage Loans Sterling offers clients hands-on help every step of the way throughout the mortgage process from pre-qualification right on through to closing. Our experience in all types of economic environments coupled with our knowledgeable team ensures we will find the right loan to meet your individual needs. Products include: Fixed Rate Adjustable Rate (ARM) First-time Home Buyer Conforming & Jumbo Interest Only No Income Verification FHA (Federal Housing Authority) VA (Veteran s Administration) Financing available for single or 2 4 family homes, second homes or investment properties, co-op or condos. Safe Deposit Box Protect your valuables, important documents and computer back-up disks by storing them in a Sterling Safe Deposit Box. Insurance agents also recommend homeowners keep photo documentation of their home s contents stored in a safe deposit box in the event they become a victim of property loss from theft, fire, water, etc. Safe deposit boxes are available in several sizes and rented on an annual basis. Traveler s Checks & Gift Cards Sterling National Bank clients can purchase American Express Traveler s Checks and Gift Cards in denominations from $20 to $100.