Dear Valued Customer,

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2 Dear Valued Customer, You are at the center of everything we do at SB One Bank, and we are excited to announce that our partnership with Enterprise Bank was specifically designed to benefit you. It was very important to us that we find the right bank to merge with, and we found that in Enterprise. Not only are they a like-minded bank one that values the customer experience and the community it serves but similar to us, they understand that our business hinges on the ability to cultivate genuine relationships with our customers and to earn the trust and respect of you. We are excited to share that this merger will result in significant enhancements the convenience of expanded branch locations in New Jersey and New York, new digital capabilities and increased access to new products and services. We look forward to sharing these enhancements with you shortly. In the interim, we wanted to provide you with important dates and details which you can find enclosed in this Merger Guide. We truly believe that there s no better time than now to be an SB One Bank customer, and we look forward to providing you with an even better banking experience. Anthony Labozzetta President & CEO SB One Bank

3 Friday, February 8 through Monday, February 11 There will be disruptions in the following services from 4:00 PM on February 8 until 8:00 AM on February 11 o Retail Online Banking will be in inquiry only mode, which does not allow for transactions (i.e., transfers) o Business Online Banking will not be available o Bill Pay services will not be available o Mobile App will not be available o Telephone Banking will be in inquiry only mode, which does not allow for transactions (i.e., transfers), only access to balances Saturday, February 9 All Enterprise Bank branch locations will be open regular business hours Monday, February 11 at 8:00 AM o All Retail Online Banking/Business Online Banking will be accessible via the SB One Bank Log On ( but you may experience intermittent disruptions throughout the day o The SB One Bank mobile app will be available for download to gain access to Mobile Banking (iphone/android)

4 Consumer Online Banking After 4:00 PM on Friday, February 8, Consumer Online Banking will be in inquiry only mode until 8:00 AM Monday, February 11. This means you will NOT be able to process any transfers, process any bill payments, etc. On Monday, February 11, you will be able to access your account(s) from SB One Bank s website. To access, visit choose online banking from the drop-down box and enter your user ID and password in the log in box at the top of the screen. Once you log in, you will be prompted to accept SB One Bank s terms and conditions. Business Online Banking On Friday. February 8, at 4:00 PM, Enterprise Bank s Business Online Banking platform will no longer be available. On Monday, February 11, at 8:00 AM, you will be able to access your account(s) from SB One Bank s website. To access, visit choose business online banking from the drop-down box and enter your existing Enterprise Bank user ID and password/token code in the log in box at the top of the screen. Once you log in, you will be prompted to accept SB One Bank s terms and conditions. External Online Banking Transfers All recurring transfers will need to be rescheduled in SB One Bank s online banking as of Monday, February 11. Please be sure to copy down your current transfers to ensure a smooth transition. After Friday, February 8, at 4:00 PM, you will not be able to access this information. Bill Pay Once enrolled in SB One Bank s Online Banking, you will need to recreate your settings and payees. The routing number for all payments should be changed to SB One Bank s routing number Mobile App On Friday, February 8, at 4:00 PM, Enterprise Bank s mobile app will be no longer be available. On Monday, February 11, you will first need to log into online banking via computer. You will need to delete Enterprise Bank s app, download SB One Bank s free mobile app from the Google Play or Apple App Store and sign in to re-establish mobile access. For your convenience, you will now have access to Mobile Deposit Capture, a new feature of the mobile app. Mobile Alerts All mobile alerts will need to be re-established through SB One Bank s online banking as of Monday, March 26. To re-establish your alerts, go to log into online banking, click on Profile at the top of the screen, and click on Enroll in the Mobile Banking section.

5 Quicken/Quickbook Users If you are a Quicken/Quickbook user, there is a small step you need to take prior to Friday, February 8 th in order to maintain one ledger in your program. Please refer to the instructions on the merger page of our website. Direct Deposit/Automatic Payments If you are enrolled in Direct Deposit or automatic payments, your transactions will continue to post as normal; however, we request that you update your routing number to SB One Bank s routing number: Checks You can continue to use Enterprise Bank checks after the conversion. Once you run out of your existing supply, you can order additional checks through any existing Enterprise or SB One Bank branch. ATMs All Enterprise Bank ATMs will be available for cash withdrawals during conversion weekend, however, they will not be available for deposits. Telephone Banking Telephone Banking will be in inquiry only mode as of Friday, February 8 at 4:00 PM. On Monday, February 11, at 9:00 AM, you will be able to access SB One Bank s telephone banking service using your existing PIN and by dialing (800) Your password will remain the same 4-digit PIN you previously created. Account Numbers Your account numbers will remain the same unless you have received previous communication from us. Certificates of Deposit & IRAs There will be no change to your account number, interest rate, maturity date or any other terms of your CD/IRA unless you have received previous communication from us. Statements You will receive two sets of statements during the month of February. The first set will be from Enterprise Bank that will reflect activity up to February 8. The second set will be from SB One Bank. This statement will be sent according to your existing statement cycle and will also include activity from February 11 February 28. End of Day Cut-off Time End of day cut off times for in branch deposits will remain the same (the time the branch closes). End of day cut off times for all other methods of deposits (i.e., online banking transfers, mobile capture deposits, etc.) will also remain the same. Debit Card/ATM Card If you are an existing debit card holder, you will be receiving a new SB One Bank debit card in early February (further communication to follow). Until then, your current debit or ATM card will continue to work. Office Hours All Enterprise Bank and SB One Bank branch hours will remain the same.

6 Phone Lines Currently, all existing Enterprise Bank phone numbers will remain active. Loan Payments All loan payments after February 11, 2018 should be sent to SB One Bank, P.O. Box 7128, Rochelle Park, NJ In addition to SB One Bank branches, existing Enterprise branches will continue to accept your payments. Have a merger related inquiry or experiencing technical difficulties? We are here to help you! Call your nearest Enterprise Bank branch for assistance (see page 10 for contact information).

7 In today s day and age, digital banking is the rule, not the exception. That s why we ve developed a revolutionary resource that goes above what typical bank branches offer. Our Digital Banking Center offers you the digital banking tools you need but with the personal touch you ve come to expect from SB One Bank. Our highly trained, smart, and friendly associates offer one-on-one attention, sitting down with you to help you fully understand our Digital Banking Products and find the solutions that are best for you. Online Banking Our online banking system offers a seamless and convenient experience along with: E-statements Cut down on mail and paper waste with monthly e-statements, accessible online when you need them for up to 18 months. PopMoney Send immediate cash with no service fees or additional charges to family and friends with this exciting feature that alerts payees via or text message. Card Valet Take debit card security into your own hands. Control when, where and how your cards are used with Card Valet. Positive Pay* There s no better time than now to consider Positive Pay to help safeguard your business from fraud. Enroll and you ll get a simplified accounts payable process, control over the payment of checks and extensive reporting capabilities. Allpoint ATM Network Allpoint provides you with the freedom to get your cash where you want, when you want it and without ATM fees. With over 55,000 ATMs in the Allpoint Network, your cash is never far away. Just look for the Allpoint logo or better yet, use the Allpoint mobile app to find the nearest Allpoint ATM.

8 Merchant Services* Your business needs financial solutions that allow you to stay focused on what you do best. That s why we work with Heartland Payment Solutions to tailor our services to fit what you need, when you need it. When it s time to do business, we are here to help you prosper. We offer payment, point-of-sale, ecommerce, customer engagement and bill payment solutions, whether you re in-store or on-the-go. We provide you with simple, results-based solutions to give your business flexibility, efficiency, security and growth. Heartland s customer service representatives in the U.S. provide assistance 24/7 to keep your business running at top speed. For more information, visit our website at Remote Deposit Capture* Don t waste precious time running to the bank. With Remote Deposit Capture, you can make non-cash deposits from your desk or place of business by using our specialized space-efficient scanner. Simply scan checks and capture them for electronic deposit. Your check images will be stored electronically for two years for easy access whenever you need to see them cut down on paper and manage your checks digitally. *product for business customers only

9 At SB One Bank, we offer more than personal banking. Through our wealth services, our team can assist you in creating a sound financial portfolio. We are here to guide you every step of the way. Let us help you build for the future. Contact your local branch to schedule a complimentary consultation with a qualified Financial Representative at SB One Bank for additional details about each service. SB One Bank also provides personal and business insurance expertise through SB One Insurance Agency. For more than 60 years, SB One Insurance Agency has served residents of New Jersey, New York, and Pennsylvania, representing more than 20 of the country s most respected and highly rated regional and national carriers to write insurance in 37 states, securing the best rates for you and offering quick, efficient action on your claims. SB One Insurance Agency 96 Route 206 PO Box 4 Augusta, NJ P: INSURANCE & WEALTH SERVICES ARE: Not FDIC-Insured, No Bank Guarantee, May Go Down in Value, Not a Deposit, Not Insured by Any Federal Government Agency

10 165 Main Street Andover, NJ P: Route 206 Augusta, NJ P: Kenilworth Blvd 7 Church Street Kenilworth, NJ Vernon, NJ P: Opt. 2 P: W. Pleasant Avenue 378 Route 23 South Maywood, NJ Wantage, NJ P: P: Broad Street Bloomfield, NJ P: Opt Park Avenue Suite 108 Edison, NJ P: Opt River Road Fair Lawn, NJ P: PO Box Route 23 Franklin, NJ P: Schooley s Mtn. Road Hackettstown, NJ P: *For residents only 266 Clove Road Montague, NJ P: Wilson Avenue Newark, NJ P: Opt Trinity Street Newton, NJ P: Kinderkamack Road Oradell, NJ P: Rochelle Avenue Rochelle Park, NJ P: Main Street Sparta, NJ P: Astoria Blvd. Astoria, NY P: Enterprise Drive Suite 700 Rockaway, NJ P: Railroad Avenue Rochelle Park, NJ P: Kenilworth Blvd Kenilworth, NJ P: Opt. 2

11 SB One Bank 100 Enterprise Drive Suite 700 Rockaway, New Jersey 07866