Insights for Tomorrow's Success

CAUTIONARY NOTES ON FORWARD LOOKING STATEMENTS

All non-historical statements made by the company in media and discussion constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward looking statements are typically identified by words such as “believe,” “expect,” “anticipate,” “intend,” “target,” “estimate,” “continue,” “positions,” “prospects” or “potential,” by future conditional verbs such as “will,” “would,” “should,” “could” or “may”, or by variations of such words or by similar expressions. These forward-looking statements are subject to numerous assumptions, risks and uncertainties which changeover time. Forward-looking statements speak only as of the date they are made. Except to the extent required by applicable law or regulation, ConnectOne assumes no duty to update forward-looking statements.

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In addition to factors previously disclosed in ConnectOne’s reports filed with the SEC, the following factors, among others, could cause actual results to differ materially from forward looking statements: changes in asset quality and credit risk; the inability to sustain revenue and earnings growth; changes in interest rates and capital markets; inflation; customer borrowing, repayment, investment and deposit practices; customer disintermediation; the introduction, withdrawal, success and timing of business initiatives; competitive conditions; the inability to realize cost savings or revenues or to implement integration plans and other consequences associated with future mergers, acquisitions and divestitures; economic conditions; and the impact, extent and timing of technological changes, capital management activities, and other actions of the Federal Reserve Board and legislative and regulatory actions and reforms. Further information regarding ConnectOne and factors which could affect the forward-looking statements contained herein can be found on the company’s investor relations website at ir.connectonebank.com.

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The material contained in items posted on this website (including both written material, such as articles or opinions and recorded material, such as podcasts and interviews) is intended as a general market commentary. The opinions, estimates and projections, if any, contained in these articles are the personal views of the individuals participating. This information is not intended to be accounting, legal, tax, investment or financial advice. Statements of individuals are their own- not those of ConnectOne Bancorp, Inc. or ConnectOne Bank - participants are not speaking on behalf of the Company or the Bank. Consult an appropriate professional concerning your specific situation. These items are intended for general educational and marketing purposes only. ConnectOne Bank provides links to other websites or apps for your convenience and does not control the content, services or products provided on the linked website or app, whose Privacy and security policies or procedures may differ.