Rev. 07/2019

What does ConnectOne Bank do with your personal information?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and account balances
• Account Transactions and checking account information
• Employment information and wire transfer instructions 

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' Personal information; the reasons ConnectOne Bank chooses to share; and whether you can limit this sharing.

Questions?

Call 844-266-2548 or go to www.connectonebank.com

Who we are

Who is providing this notice?

ConnectOne Bank

What We Do

How does ConnectOne Bank protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does ConnectOne Bank collect my personal information?

We collect your personal information, for example, when you

• Open an account or apply for a loan
• Provide account information or make a wire transfer
• Show your government-issued ID

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can’t I limit all sharing

Federal law gives you the right to limit only

• Sharing for affiliates’ everyday business purposes-information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for non affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

• ConnectOne Bank does not share with our affiliates

Non-affiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

• ConnectOne Bank does not share with non affiliates so they can market to you

Joint marketing

A formal agreement between non affiliated financial companies that together market financial products or services to you.

• ConnectOne Bank does not jointly market

Fee Schedule

For a copy for ConnectOne Bank's Miscellaneous Bank Fees and Charges, please click here.

We stand for integrity, truthfulness and full compliance with the law.

ConnectOne believes it owes its clients far more than a place to save and borrow money. Our detailed Code of Conduct spells out our dedication to ensuring that personal data is never shared with anyone else, that our financial records are accurate and that our New York and New Jersey clients can count on us to follow the law and avoid all appearances of corruption or conflict of interest.

Safeguarding Confidential Information

Privacy Disclosure

In the conduct of ordinary business, ConnectOne Bank, (herein referred to as "Company" or "CNOB"), and its employees have access to a variety of confidential personal and business information about its clients. This policy statement addresses the Company's philosophy and standards designed to protect proprietary information and respect the confidentiality of our clients. We do not disclose information about our clients or former clients to non affiliated third parties, except as permitted by law. As a financial institution, information is critical in providing the quality of service our clients have come to expect. However, we also know that our clients entrust us with highly confidential information and expect that we will protect that information. We must all maintain strict standards on safeguarding that information.

No Disclosure Outside of Exceptions

ConnectOne Bank will never divulge any confidential clients information except as required to conduct normal business. We do not sell information about our clients or former clients to non-affiliated third parties. There are certain circumstances in which disclosure of client or former client information is required and permitted by law:

We may disclose information to third parties about your accounts or transactions you perform; (1) where it is necessary to complete transactions that a client requested; (2) in order to verify the existence and condition of an account for a third party, such as credit reporting agency or merchant; (3) in order to comply with government authorities or court orders; or (4) if the client gives us written authorization.

Confidentiality and Security

Each department of ConnectOne Bank maintains strict policies and procedures regarding client information and data protection in specific operations. Employee access to client information is restricted to information necessary to perform his/her individual job function in the normal course of business. Each employee shares in the responsibility for preserving the confidentiality of client and corporate information. You must become familiar with the policies and procedures in your department. If you are unclear on a particular policy or procedure, please consult your supervisor immediately.

We maintain physical, electronic and procedural safeguards that comply with federal standards to guard our clients' non-public personal information. There are company-wide policies on data security relating to mainframe (database) access and personal computer use. In all forms of access to client information, whether in person, telephone, ATM's, the Internet, etc., there are strict procedures in place to ensure that a client's identity is verified prior to providing any information, whether through personal passwords, or other form of identifying information.

Confidential and/or sensitive information collected by ConnectOne Bank must not be used or disclosed for any reason other than the intended purpose and must be protected from misuse, including misuse that could result in identity theft. Using the Company's confidential information for personal profit or advantage or disclosing confidential information to unauthorized persons (including company employees as well as non-employees) is strictly prohibited.

The violation of this policy or any CNOB policy regarding the safeguarding of confidential information will lead to disciplinary action up to, and including, termination.

Ensure the Integrity of Records

All Company records must be accurate and maintained with reliability and integrity. Every transaction must be reflected in an accurate and timely manner. False entries and/or participation in any activities that lead to false entries will be subject to disciplinary action. Additionally, any employee who intentionally falsifies any CNOB document or record will be subject to disciplinary action, up to and including termination.

Tell the Truth

ConnectOne Bank's commitment to ethics in business includes a strong emphasis on candor and integrity. We must be truthful in all communications with one another, clients, internal and external auditors, regulators and attorneys. We must keep complete and accurate business records. Only by being honest and forthcoming will the Company maintain the respect and trust it needs to carry on its business operations successfully.

Know the Law

Every employee is expected to be familiar with the basic legal requirements that apply to his or her duties on the job. We can familiarize ourselves with the laws and regulations that apply to our work by receiving on-the-job training, reviewing applicable Company policies and procedures, attending related Company training, and of course, asking questions of our supervisors and Company attorneys.

When you need help understanding your legal obligations, you are expected to ask your supervisor or Laura Criscione, EVP, Chief Compliance Officer for instruction or advice.

Compliance with the Law

Anti-Bribery/Corruption

In accordance with the Bank Bribery Act, ConnectOne Bank prohibits employees, officers, directors, agents, and attorneys of the Company from soliciting, demanding, or accepting anything of value from any person intending to be influenced or rewarded in connection with any business or transaction of ConnectOne Bank.

This policy also prohibits anyone from corruptly giving, offering, or promising anything of value to any person, with the intent to influence or reward an officer, director, employee, agent, or attorney of ConnectOne Bank.

Members of the board of directors, management officials, and employees of ConnectOne Bank are expected to:

• Conduct the business of the Company in full compliance with both the letter and the spirit of the law and the guidelines established by this policy
• Use confidential information properly
• Recognize and avoid conflicts of interest, as defined on Page 7 below in the Conflicts of Interest Section
• Protect ConnectOne Bank property, including information, products, services, and assets
• Properly manage personal finances
• Treat fairly and with respect all ConnectOne Bank employees, members, and others with whom they have dealings

Authorized Activity

The acceptance of fees (including special discounts or any direct or indirect payment of money or property) and other items of value in return for services the Company renders are generally prohibited. The following exceptions may be allowable:

• Payments of bona fide salary, wages, and fees or other compensation, whether paid or reimbursed, when these payments are made in the usual course of business by CNOB;
• Acceptance of gifts, gratuities, or favors based on obvious family or personal relationships (with parents, children, or spouses of ConnectOne Bank officials) where circumstances are clear that the relationship rather than CNOB business is the motivating factor;
• Acceptance of meals, refreshments, or entertainment of nominal value* in the course of a meeting or occasion while holding a bona fide business discussion, provided these expenses are otherwise reimbursable by the Company as a justifiable business expense;
• Except where prohibited by law, the acceptance of loans from banks or other financial institutions, provided such transactions are made with the customary terms and are used to finance legitimate and usual activities by ConnectOne Bank officials, such as for a home mortgage;
• Acceptance of unsolicited promotional materials of nominal value* such as pens, calendars, etc.;
• Acceptance of discounts or rebates on merchandise or services, provided they do not exceed those that are available to other ConnectOne Bank members or the general public;
• Acceptance of gifts of nominal value* on the occasion of recognized events such as job promotions, new jobs, weddings, retirements, or religious celebrations;
• Acceptance of civic, charitable, educational, or religious awards in recognition of a service performed or an accomplishment.

Other activities not identified in this policy may be acceptable on a case-by-case basis with prior written approval from the Senior Management Team.

Disclosure

If officers, employees, directors, committee members, agents or attorneys of ConnectOne Bank are offered or receive anything of value beyond what is authorized in this policy, that person must disclose the following information in writing to the CEO, President or Executive Vice President.

• the gift offered or accepted;
• the name of the donor and his/her company affiliation;
• the value of the gift;
• the circumstances surrounding receipt of the gift.

The Board of Directors will review the disclosures and determine what is acceptable and reasonable and does not pose a threat to the integrity of CNOB. Officials of CNOB must disclose all potential conflicts of interest, including those where the person has inadvertently been placed in a situation due to either a business or personal relationship.

Fair Dealing

Each employee, officer and director should undertake to deal fairly with the Company's clients, suppliers, competitors and employees. No employee should enter into an arrangement with a client, competitor or supplier that violates or has the appearance of violating any law or regulation governing competition. Additionally, no one should take advantage of another through manipulation, concealment, abuse of privileged information, misrepresentation of material facts, or any other unfair-dealing practices. Accordingly, every employee must follow the following guidelines at all times:

• You must be truthful to clients, suppliers, and the government in all business dealings
• You must not use or provide to a third party any business information for personal gain
• You must not give or accept bribes, kickbacks, promises or preferential extensions of credit
• You must handle all transactions, contracts and commitments based on objective business standards to avoid favoritism or perceived favoritism
• You must not conspire or collude in any way with competitors

Protection and Proper Use of Company Property

All employees, officers and directors have a duty to protect the Company's property and assets and ensure their efficient and proper use. All Company assets should be used for legitimate business purposes and in accordance with Company policies. The use of Company electronic systems, including the telephone system and computer systems and any Company issued equipment must be in accordance with the Technology Related Policies set forth in the Company's Employee Manual.

Conflicts of Interest

Policy Statement

It is the responsibility of each employee to ensure that they remain free from any potential personal or private business interests that might adversely influence his or her judgment as an CNOB employee. Compliance with this policy is a condition of employment with CNOB. Employees of CNOB should avoid situations where their personal interests could conflict with, or even appear to conflict with, the interests of the Company.

A "conflict of interest" occurs when your personal interests interfere or even appears to interfere in any way with the interests of the Company. You are expected to avoid all situations that might lead to a real or perceived conflict between your self-interest and your duties and responsibilities as an employee, officer or director of the Company.

Any position or interest, financial or otherwise, which could materially conflict with your performance as an employee, officer or director of the Company, or which affects or could reasonably be expected to affect your independence or judgment concerning transactions between the Company, its clients, suppliers or competitors or otherwise reflects negatively on the Company would be considered a conflict of interest.

You shall not represent the Company in any transaction with respect to which you have any material connection or financial interest. Without limiting the scope of the term, a "material connection" includes the involvement of any family member or close personal friend. "Family member" includes spouse, son, daughter, parent, sister, brother, grandparent, grandchild, aunt, uncle, niece, nephew, cousin, father-in-law, mother-in-law, sister-in-law, brother-in-law or any other members of a household who are not otherwise included in this list of relatives. The transactions covered by this rule include, but are not limited to, approval of Bank overdrafts authorizing or accepting checks on uncollected funds, waiving Bank charges or other nominal fees, making loans, waiving financial statements or similar activities.

As an officer or employee of the Company, you should refuse to serve personally as an executor, trustee, or guardian of an estate or trust of a client unless the client is a relative of the employee.

Officers and employees of CNOB must not:

1. Invest in a client's business unless the investment is made by the purchase of stock that is actively traded and the Company has no access to confidential information relating to the business; or
2. Subscribe to new issues of stock in a client's business; or
3. Invest in a client's business or enable others to do so as a result of material inside information.

As a condition of your employment, you will be required to complete an initial Conflicts of Interest Disclosure Form and then an Annual Employee Conflicts of Interest Disclosure Form. If during the course of the year, circumstances change relating to conflicts of interest or potential conflicts of interest, you are also required to update your Conflict of Interest Disclosure Form within 30 days of that change in circumstance.

Outside Business Relationships

Before agreeing to act as a director, officer, consultant, or advisor for any other business organization, as an officer or employee of the Company, you must report in writing to and receive approval in writing by the Company's CEO / President and/or Executive Vice President in order to avoid any conflicts of interest and to maintain independence.

Acceptance of outside employment by officers and employees of the Company, other than as director, officer, consultant, or advisor as described above must also be reported in writing to and approved in writing by the Company's CEO / President and/or Executive Vice President.

Directors should disclose all new directorships or potential directorships to the Board of Directors or its Executive Committee in order to avoid any conflicts of interest and to maintain independence.

Outside activities of whatever nature cannot be permitted to interfere with an employee, or Officer's attendance and/or job performance or with the CNOB's reputation as a trusted financial institution.

Insider Trading

It is also unethical and illegal to buy, sell or trade or otherwise participate in transactions involving the common stock or other security of any company while in possession of similar non-public material information concerning such company. Any questions concerning the propriety of participating in a transaction involving the stock of the Company or the stock of another company stock or any other security transaction should be directed to the EVP/CFO.

Extensions of Credit

CNOB may extend credit to any executive officer, director, or principal shareholder of the Company only on substantially the same terms as those prevailing for comparable transactions with other persons or that may be available to bank employees generally as permitted by and in accordance with Regulation O of the Board of Governors of the Federal Reserve System.

Reporting

A Duty to Report

As part of its commitment to ethical and legal behavior, CNOB requires its employees to report to the Company any actual or apparent violations of law so that they can be investigated and dealt with. Failure to comply with this duty to come forward is a violation of policy and can result in disciplinary action, up to and including termination.

Procedure for Reporting

Normally, you should take issues to your immediate supervisor. However, if you are not comfortable doing that, you may speak with:

• Any member of management at your branch
• A member of management at the headquarters location
• Laura Criscione, EVP/CCO at (201) 816-8900 ext. 6001

If you are not comfortable using any of the reporting methods above, you may call the contact the Chair of the Audit Committee of the Board of Directors at 201-567-4100

No Retaliation

CNOB prohibits retaliation of any kind against individuals who have made good faith reports of, or cooperated in the investigation of, complaints of violations of this Code of Business Conduct and Ethics or other known or suspected illegal or unethical conduct.

View the Audit Committee Charter
View the Compensation Committee Charter

^{* Created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Only applicable to business accounts. This fee is not charged to consumer accounts. 
** Charged per statement, or image (check or deposit)
*** Fee charged when total security account balances within a relationship are less than $50,000}

PURPOSE OF THIS DISCLOSURE.

Our general policy is to allow you to withdraw funds deposited in an account on the first Business Day after the day of deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first Business Day after the day of deposit. Our complete policy is summarized below. For purposes of this disclosure, the terms "you"/"your" refer to the customer and the terms "our"/"we"/"us" refer to ConnectOne Bank. The term "account" includes any checking account, savings account, or other like arrangement established for personal or family purposes.

For purposes of this disclosure, the terms "you"/"your" refer to the customer and the terms "our"/"we"/"us" refer to ConnectOne Bank. The term "account" includes any checking account, savings account, or other like arrangement established for personal or family purposes.

DETERMINING THE AVAILABILITY OF YOUR DEPOSIT.The length of the delay varies depending on the type of deposit and is explained below. When we delay your ability to withdraw funds from a deposit, you may not withdraw the funds in cash, and we will not pay checks you have written on your account by using these funds. Even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

When we delay your ability to withdraw funds, the length of the delay is counted in Business Days from the day of your deposit. The term "Business Day" means any day other than a Saturday, Sunday or federally declared legal holiday, and the term "Banking Day" means that part of any Business Day on which we are open to the public for carrying on substantially all of our banking functions.

If you make a deposit before 6:00PM p.m. on a Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00PM p.m. or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

AVAILABILITY SCHEDULE

Same Day Availability. Funds from deposits of:

• electronic direct deposits
• cash*
• wire transfers

will be available on the day of deposit.

Next Day Availability. Funds from deposits of:

• U.S. Treasury checks**
• U.S. Postal Service money orders**
• Federal Reserve Bank or Federal Home Loan Bank checks**
• State or Local Government checks**
• Cashier's, Certified, or Teller's checks**
• checks drawn on us

will be available on the first Business Day after the day of deposit.

Other Check Deposits. Funds from all other check deposits will be available on the first Business Day after the day of your deposit.

*Cash Deposits. If the cash deposits are made in person to an employee of ConnectOne Bank, then the funds will be made available on the day we receive your deposit. If they are not made in person to an employee, then the funds will be made available no later than the next Business Day after the day of your deposit.

** Check Deposits. Check deposits include U.S. Treasury checks; U.S. Postal Service money orders; Federal Reserve Bank or Federal Home Loan Bank checks; State or Local Government checks; and Cashier's, Certified, or Teller's checks. In order for these check deposits to be made available according to the funds availability schedule above, the following conditions are required:

• U.S. Treasury Checks. These checks must be made payable to you and deposited into your account.
• U.S. Postal Service Money Orders; Federal Reserve Bank or Federal Home Loan Bank Checks; State or Local Government Checks; or Cashier's, Certified, or Teller's Checks. These checks must be made payable to you, made in person to one of our employees, and deposited into your account.

If any of these conditions are not satisfied, then the funds from these check deposits will be made available no later than the second Business Day after the day of your deposit.

LONGER DELAYS MAY APPLY.

In some cases, we will not make all of the funds that you deposit by check available to you according to the previously stated availability schedule. Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. The first $225.00 of your deposits, however, may be available on the first Business Day after the day of deposit.

If we are not going to make all of the funds from your deposit available to you according to the previously stated availability schedule, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

Funds you deposit by check may be delayed for a longer period under the following circumstances:

• (a) if we believe a check you deposit will not be paid;
• (b) if you deposit checks totaling more than $5,525 on any one day;
• (c) if you redeposit a check that has been returned unpaid;
• (d) if you have overdrawn your account repeatedly in the last six months; or
• (e) if an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh Business Day after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

HOLDS ON OTHER FUNDS FOR CHECK CASHING.

If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.

SPECIAL RULES FOR NEW ACCOUNTS.

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Same Day Availability. Funds from cash*, wire transfers, and electronic direct deposits made to your account, and checks drawn on us will be available on the day we receive the deposit.

Next Day Availability. Funds from the first $5,525 of a day's total deposits of:

• U.S. Treasury checks**
• U.S. Postal Service money orders**
• Federal Reserve Bank or Federal Home Loan Bank checks**
• State or Local Government checks**
• Cashier's, Certified, or Teller's checks**
• Traveler's Checks**

are available on the first Business Day after the day of your deposit.

Funds Exceeding $5,525. The excess over $5,525 of a day's total check deposits will be available on the fifth Business Day after the day of your deposit.

Other Check Deposits. Funds from all other check deposits will be available on the fifth Business Day after the day of deposit.

* Cash Deposits. If the cash deposits are made in person to an employee of ConnectOne Bank, then the funds will be made available on the day we receive your deposit. If they are not made in person to an employee, then the funds will be made available no later than the next Business Day after the day of your deposit.

** Check Deposits. Check deposits include U.S. Treasury checks; U.S. Postal Service money orders; Federal Reserve Bank or Federal Home Loan Bank checks; State or Local Government checks; Cashier's, Certified, or Teller's checks; and Traveler's checks. In order for these check deposits to be made available according to the funds availability schedule above, the following conditions are required:

• U.S. Treasury Checks. These checks must be made payable to you and deposited into your account.
• U.S. Postal Service Money Orders; Federal Reserve Bank or Federal Home Loan Bank Checks; State or Local Government Checks; Cashier's, Certified, or Teller's Checks; or Traveler's checks. These checks must be made payable to you, made in person to one of our employees, and deposited into your account.

If any of these conditions are not satisfied, then the first $5,525 of a day's total check deposits will be made available no later than the second Business Day after the day of your deposit.

DEPOSITS AT AUTOMATED TELLER MACHINES.

f you make a deposit at an automated teller machine (ATM) that is owned and operated by us before 10:00AM EST on a Business Day that we are open, we will consider the deposit made that day. However, if you make a deposit at an ATM that is owned and operated by us after 10:00AM EST or on a day that we are not open, we will consider the deposit made on the next Business Day we are open.

We only allow deposits to be made at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.

For purposes of this disclosure the terms "we", "us" and "our" refer to ConnectOne Bank. The terms "you" and "your" refer to the recipient of this disclosure. The Electronic Fund Transfer Act and Regulation E require institutions to provide certain information to customers regarding electronic fund transfers (EFTs).

This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account, automatic regular payments made from your account to a third party and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills. This disclosure also applies to the use of your ConnectOne Bank ATM Card (hereinafter referred to collectively as "ATM Card") or ConnectOne Bank Debit Card (hereinafter referred to collectively as "Debit Card") at automated teller machines (ATMs) and any networks described below.

This disclosure contains important information about your use of EFT services provided by ConnectOne Bank in relation to accounts established primarily for personal, family or household purposes. Please read this document carefully and retain it for future reference.

DEFINITION OF BUSINESS DAY. Business days are Monday through Friday, excluding Federal holidays.

ELECTRONIC FUND TRANSFER SERVICES PROVIDED

ATM CARD SERVICES. The services available through use of your ATM card are described below.

CONNECTONE BANK ATM CARD SERVICES:

• You may withdraw cash from your checking account(s), savings account(s), and money market account(s).
• You may make deposits into your checking account(s), savings account(s), and money market account(s).
• You may transfer funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, and savings and NOW accounts.
• You may make balance inquiries on your checking account(s), savings account(s), and money market account(s).

DEBIT CARD SERVICES. The services available through use of your debit card are described below.

CONNECTONE BANK DEBIT CARD SERVICES:

• You may withdraw cash from your checking account(s), savings account(s), and money market account(s).
• You may make deposits into your checking account(s), savings account(s), and money market account(s).
• You may transfer funds between your checking and savings accounts, checking and money market accounts, and savings and money market accounts.
• You may make balance inquiries on your checking account(s), savings account(s), and money market account(s).
• You may use your card at any merchant that accepts Visa® debit cards for the purchase of goods and services.

CONNECTONE BANK ATM SERVICES.

NETWORK. Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions.

Besides being able to use your ATM Card or Debit Card at our ConnectOne Bank ATM terminals, you may access your accounts through the following network(s): Visa, Plus, Interlink, NYCE & Allpoint.

ATM FEES. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

POINT OF SALE TRANSACTIONS. Listed below is the card you may use to purchase goods and services from merchants that have arranged to accept your card as a means of payment (these merchants are referred to as "Participating Merchants"). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your card, including any purchase where you receive cash, are referred to as "Point of Sale" transactions and will cause your "designated account" to be debited for the amount of the purchase. Listed below is the card you may use to purchase goods and services from merchants that have arranged to accept your card as a means of payment (these merchants are referred to as "Participating Merchants"). Some Participating Merchants may permit you to receive cash back as part of your purchase. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for any Point of Sale transaction. We may allow Point of Sale transactions which exceed your available account balance. If we do, you agree to pay an amount equal to the overdrawn balance.

The following card and the corresponding designated account(s) may be used for Point of Sale transactions:

• ConnectOne Bank Debit Card: checking account.

Your ATM and Debit cards may also be used to obtain cash from your designated account(s) at participating financial institutions when so authorized under the terms of your Account Agreement.

CURRENCY CONVERSION - Visa®. When you use your card with the Visa® logo at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is a rate selected by Visa® from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa® itself receives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.

SERVICES PROVIDED THROUGH USE OF BANK BY PHONE. You may perform the following functions through use of Bank By Phone:

• You may initiate transfers of funds between your checking and savings accounts, checking and money market accounts, and savings and money market accounts.
• You may make balance inquiries on your checking account(s), savings account(s), and money market account(s).

PREAUTHORIZED TRANSFER SERVICES.

• You may arrange for the preauthorized automatic deposit of funds to your checking account(s), savings account(s), and money market account(s).
• You may arrange for the preauthorized automatic payments or other transfers from your checking account(s), savings account(s), money market account(s), and time deposits.

SERVICES PROVIDED THROUGH USE OF CONSUMER EBANKING.

ConnectOne Bank offers its customers use of our Consumer eBanking service.

Internet Transfers. You may access your account(s) by computer through www.connectonebank.com using your login and password to:

• Transfer funds from checking to savings
• Transfer funds from savings to checking
• Make payments from checking to third parties (bill pay)
• Get checking account(s) information
• Get savings account(s) information

Mobile Banking Transfers. You may access your account(s) by web-enabled cell phone by downloading the ConnectOne Bank App and using your Mobile Banking App. to:

• Transfer funds from checking to savings
• Transfer funds from savings to checking
• Transfer and receive funds between your accounts and third parties (Zelle – person-to-person)
• Make payments from checking to third parties (bill pay)
• Deposit checks
• Get checking account(s) information
• Get savings account(s) information

You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges.

ELECTRONIC CHECK CONVERSION. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills.

LIMITATIONS ON TRANSACTIONS
TRANSACTION LIMITATIONS - CONNECTONE BANK ATM CARD.

CASH WITHDRAWAL LIMITATIONS. You may withdraw up to $600.00 through use of ATMs in any one day.

TRANSACTION LIMITATIONS - CONNECTONE BANK DEBIT CARD.

CASH WITHDRAWAL LIMITATIONS. You may withdraw up to $600.00 through use of ATMs in any one day.

POINT OF SALE LIMITATIONS. You may buy up to $3,000.00 worth of goods or services in any one day through use of our Point of Sale service.

OTHER WITHDRAWAL LIMITATIONS.

POINT OF SALE LIMITATIONS - You may buy up to $1,000.00 worth of goods or services in any one day through use of our Point of Sale service using your PIN (Personal Identification Number).

OTHER LIMITATIONS.

• The terms of your account(s) may limit the number of withdrawals you may make each month. Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise.
• We reserve the right to impose limitations for security purposes at any time.

LIMITS ON TRANSFERS FROM CERTAIN ACCOUNTS. Federal regulation limits the number of checks, telephone transfers, online transfers, and preauthorized electronic transfers to an account you have with us and to third parties (including Point of Sale transactions) from money market and savings type accounts. You are limited to six (6) such transactions from each money market and/or savings type account(s) you have each statement period for purposes of making a payment to a third party or by use of a telephone or computer.

NOTICE OF RIGHTS AND RESPONSIBILITIES

The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.

RIGHT TO RECEIVE DOCUMENTATION OF YOUR TRANSFERS.

TRANSACTION RECEIPTS. Depending on the location of an ATM, you may not be given the option to receive a receipt if your transaction is $15.00 or less. Upon completing a transaction of more than $15.00, you will receive a printed receipt documenting the transaction (unless you choose not to get a paper receipt). These receipts (or the transaction number given in place of the paper receipt) should be retained to verify that a transaction was performed. A receipt will be provided for any transaction of more than $15.00 made with your ATM Card or Debit Card at a Participating Merchant. If the transaction is $15.00 or less, the Participating Merchant is not required to provide a receipt.

PERIODIC STATEMENTS. If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement. In any case you will receive your statement at least quarterly.

PREAUTHORIZED DEPOSITS. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:

• you can call us at (844)266-2548 to find out whether or not the deposit has been made.

USING YOUR CARD AND PERSONAL IDENTIFICATION NUMBER ("PIN"). In order to assist us in maintaining the security of your account and the terminals, the ATM Card or Debit Card remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your ATM Card or Debit Card for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction, including any available line of credit. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to another account; you agree to pay us the amount of the improper withdrawal or transfer upon request.

Your ATM Card may only be used with your PIN. Certain transactions involving your Debit Card require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify ConnectOne Bank immediately if your ATM Card or Debit Card is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your ATM Card or Debit Card or to write your PIN on your ATM Card or Debit Card or on any other item kept with your ATM Card or Debit Card. We have the right to refuse a transaction on your account when your ATM Card or Debit Card or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account.

The security of your account depends upon your maintaining possession of your ATM Card or Debit Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may change your PIN at our ATM.

RIGHTS REGARDING PREAUTHORIZED TRANSFERS.

RIGHTS AND PROCEDURES TO STOP PAYMENTS. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment,

• call us at: (844)266-2548
• or write to: 301 Sylvan Avenue, Englewood Cliffs, NJ 07632

We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we will require you to put your request in writing and deliver it to us within fourteen (14) days after you call.

NOTICE OF VARYING AMOUNTS. If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

OUR LIABILITY FOR FAILURE TO STOP PREAUTHORIZED TRANSFER PAYMENTS. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.

YOUR RESPONSIBILITY TO NOTIFY US OF LOSS OR THEFT. If you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen,

• call us at: 1-844-909-1621 or 1-844-266-2548 (8:00AM EST - 6:00PM EST)
• or write to: 301 Sylvan Avenue Englewood Cliffs, NJ 07632

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

CONSUMER LIABILITY. Tell us AT ONCE if you believe your ATM Card or Debit Card or PIN or internet banking access code has been lost or stolen or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable). If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code you can lose no more than fifty dollars ($50) if someone used your ATM Card or Debit Card or PIN or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your ATM Card or Debit Card or PIN or internet banking access code and we can prove we could have stopped someone from using your ATM Card or Debit Card or PIN or internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500.00).

Also, if your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any money in your account (including your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS INVOLVING CONNECTONE BANK DEBIT CARD. The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the Visa® logo. These limits apply to unauthorized transactions processed on the Visa® or Plus Network.

If you notify us about an unauthorized transaction involving your card with the Visa® logo and the unauthorized transaction took place on the Visa® or Plus Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions to the amounts described under "Consumer Liability" above if we reasonably determine, based on substantial evidence, that you were negligent or fraudulent in the handling of your account or your card with the Visa® logo, you were proven to have participated in the transaction, or both. The zero liability provisions do not apply to PIN-based debit transactions not processed by the Visa® or Plus Network, including ATM transactions outside of the United States.

Your liability for unauthorized transactions with your card with the Visa® logo that involve PIN-based debit transactions not processed by the Visa® or Plus Network, including ATM transactions, are described under "Consumer Liability" above.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS. In case of errors or questions about your electronic fund transfers,

• call us at: 1-844-266-2548
• or write to: 301 Sylvan Avenue Englewood Cliffs, NJ 07632
• or use the current information on your most recent account statement.

Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact ConnectOne Bank no later than 60 days after we sent you the first statement on which the problem or error appears. You must be prepared to provide the following information:

• Your name and account number.
• A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.
• The dollar amount of the suspected error.

If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions. Visa's® cardholder protection policy requires that we provide provisional credit for losses from unauthorized Visa® Check Card use within five (5) business days of notification of the loss, unless we determine that additional investigation is warranted and allowed by applicable laws or regulations.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance:

• If through no fault of ours, you do not have enough money in your account to make the transfer.
• If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.
• If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.
• If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.
• If we have terminated our Agreement with you.
• When your ATM Card or Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.
• If we receive inaccurate or incomplete information needed to complete a transaction.
• In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
• If the funds in the account are subject to legal action preventing a transfer to or from your account.
• If the electronic terminal does not have enough cash to complete the transaction.

There may be other exceptions provided by applicable law.

CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS.

FEE SCHEDULE. The Fee Schedule referred to above is being provided separately and is incorporated into this document by reference. Additional copies of the schedule may be obtained from ConnectOne Bank upon request.

DISCLOSURE OF ACCOUNT INFORMATION.

We will disclose information to third parties about your account or electronic fund transfers made to your account:

1. Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or
2. In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or
3. In order to comply with government agency or court orders; or
4. If you give us your permission in a record or writing.

SAFETY PRECAUTIONS FOR ATM TERMINAL USAGE. Please keep in mind the following basic safety tips whenever you use an ATM:

• Have your ATM Card or Debit Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms (envelopes) at home for this purpose.
• If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly.
• If the ATM facility is equipped with a door, close the entry door before conducting your transaction.
• If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction.
• Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location.
• If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around.
• When using the machine, stand so you block anyone else's view from behind.
• If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately. If going to your car, lock your doors.
• Do not stand at the ATM counting cash. Place withdrawn cash securely upon your person before exiting the ATM facility. Check that you received the right amount later in a secure place, and reconcile it to your receipt then.
• Keep your receipts and verify transactions on your account statement. Report errors immediately. Do not leave receipts at an ATM location.
• Direct complaints concerning ATM security to (844)266-2548 if we own or operate the ATM, or if we do not own or operate the ATM, to the institution operating the ATM at the telephone number found on or near the ATM, or the New Jersey Department of Banking at (609) 292-7272.

ADDITIONAL PROVISIONS

Your account is also governed by the terms and conditions of other applicable agreements between you and ConnectOne Bank. You agree not to reveal your PIN to any person not authorized by you to access your account.

Consumer eBanking Account Agreement

Introduction:

As used in this agreement, the words “you” and “your” refer to the account holder(s) and the words “Bank”, “us”, and “we” refer to ConnectOne Bank.

Consumer eBanking:

• You must have at least one ConnectOne Bank account to enroll in Consumer eBanking (“CeB”).
• There are no service charges for use of this service.

Bill Paying Service:

• You must be enrolled in CeB to have access to the bill paying service.
• Additional merchants may be added at any time.
• There is no monthly service charge for use of this service.  Please refer to our schedule of fees for information regarding miscellaneous charges that may apply.

Credentials:

• For access to CeB, you must enter a User Id and Password, which you will be prompted for at the time of enrollment. You will not be required to change your password once established.   The security of your password and/or other access codes is your responsibility. Therefore, although the Bank will not require you to periodically change your password and/or other access codes, online security best practices suggest that users should change their password periodically to avoid that password being discovered and used by third parties. Under this agreement, we are entitled to accept and carry out any instructions entered into the system using your password and other access codes.
• Please remember that Bank employees will never ask you for  your password.   You understand that your User ID and Password is your electronic signature. It identifies you to us and authenticates and validates the direction given just as your actual signature.
• You agree to maintain the confidentiality of your User ID and Password. You authorize the Bank to honor any transfer requests and provide account information to anyone who provides the correct User ID and PIN.  Furthermore, you agree to promptly notify the Bank if an unauthorized person has obtained your User ID and/or Password, or if unauthorized transfers or errors appear on your account statement.  You agree that your liability to the Bank for any and all transfers to and from your account(s), whether authorized or unauthorized, as well as your liability for failure to report unauthorized transfers or account errors is limited only by the provisions of the Electronic Funds Transfer Act.

Security:

• You understand the importance of your role in preventing misuse of your account(s) and you  agree to  promptly examine your paper or  electronic statement for  each  of  your accounts as soon as you receive it. Please refer to the Consumer Deposit Account Agreement for additional details.  The Consumer Deposit Account Agreement shall govern should there be any conflict between this Agreement and the Consumer Deposit Account Agreement.
• You agree to protect the confidentiality of your account, account number, and all personal information, including your social security number and driver's license number.   You understand that any personal information by itself, or together with information related to your account, may allow unauthorized access to your account.
• Any of the credentials for access and/or use of CeB products and services, along with any other authentication processes, are intended to provide security against unauthorized entry and access to your accounts.  Your credentials are not meant to be shared.  You agree to maintain the confidentiality of your credentials, including, but not limited to, your User ID and password.  If you provide someone, or if someone obtains your User ID password or any other credential to access or use CeB products and services, you are authorizing that person to use CeB products and services on your behalf, and you are responsible for all transactions performed under any such credential.
• The Bank utilizes a secure server that supports 128-bit encryption to ensure that your personal information is safely transmitted over the internet. There are Firewalls installed to prevent unauthorized access of confidential information.   There is also an  automatic lockout feature which will automatically lock out an attempt to access account information after three failed logon attempts.  In addition, the system will automatically timeout if your session activity remains idle for a period of twenty minutes. Please read our Privacy Policy for additional steps that we take to protect your personal information.
• Your credentials, including, but not limited to, your User ID and password identifies you and authenticates and validates the instructions given to the Bank as if they were given to us by you in person.
• You agree that ConnectOne Bank is authorized to act on any instruction received under any of your credentials (User ID, password, etc.), whether used alone or with any other credential or authorization processes.  This includes your authorization that we honor any transfer requests and provide account information to anyone who provides the proper credential(s).
• You agree that you are solely liable and responsible for any transaction that is performed using any of your credentials (i.e User ID, password, PIN, etc.), including those transactions you authorized or did not authorize, including those that you did not intend or want performed.  You agree that you are liable for each and every transaction that is initiated using any of your credentials regardless of whether such use was initiated fraudulently or otherwise.     We undertake no obligation to monitor transactions through or on CeB to determine that they are made on your behalf.

Account Access:

• If you have enrolled in CeB, you may access any of your accounts with us for the purpose of reviewing transactions or obtaining balance information.  For personal accounts only, you may access any checking, savings, or money market account for the purpose of transferring funds and making loan payments.  You may not transfer funds to or from an IRA or Time Deposit.
• If you have enrolled in CeB Bill Paying Service, you may access the checking account that you have authorized the Bank to use to pay bills for you.

Limitation on Frequency of Transfers:

You may access your accounts and make transfers at any time.  Although there are no restrictions on the number of transfers you may make from your checking and interest bearing checking accounts, Federal Regulations limit the number of transfers which may be made from a money market or savings account to another account or third party by preauthorized, automatic or telephonic (including data transmission) transfer to six per month.  Transfers made through CeB from a money market or savings account count towards these limitations.  Please refer to your deposit account disclosure for additional information.

Limitations on Dollar Amount of Transfers:

You may transfer up to the available balance in your account.

Processing of Transfers:

Transfers processed prior to 9:00 PM EST Monday through Friday, excluding holidays, will be posted on the same day. Transfers made after 9:00 PM EST Monday through Friday, excluding holidays, may not be posted until the next business day.  Transfers made on the weekend or holiday will be posted on the next business day. Telephone instructions to make a transfer cannot be canceled after the system has accepted them.

Stop Payments:

• You may place a stop payment, utilizing CeB, on any check that you have written.  If you do, you agree to the following terms and conditions:
  • The information on the stop payment must precisely identify the check number, the payee and the amount of the check.  If you do not give exact information, the Bank assumes no responsibility for stopping payment.
  • The stop payment must be received in time to give us a reasonable time to act upon it.  Stop payments received before 3:00 p.m. on Monday through Friday, excluding legal holidays are processed on the day received.   Stop payments received after 3:00 p.m. or on a weekend or legal holiday may not be processed until the next business day.  A stop payment must be received before the check has been presented for payment.
  • The stop payment order is effective for six months unless renewed through CeB or in writing before the expiration of six months.  If the stop payment order is not renewed before the expiration of six months, it will automatically terminate and the Bank is free to pay the check.  In such an instance, you hereby agree to release and do waive any and all claims against the Bank with respect to the stop payment order or the check itself and you further agree to indemnify and hold the Bank harmless with regard to any and all claims involving the stop payment order and/or check, which includes the Bank’s reasonable attorney fees and costs.
  • You understand that there may be claims or demands made against the Bank as a result of your request to the Bank. You agree that you will defend the Bank and will be responsible to the Bank if any claim or demand of whatever nature, is made against the Bank with respect to a stop payment order and/or the check itself.  You agree to indemnify and defend the Bank and to reimburse the Bank for any reasonable costs, expenses or attorney’s fees that the Bank may incur in defending itself against any such claims or demands.  You understand that the Bank will use all reasonable efforts to comply with a stop payment order.   However, you understand fully that unless the check number, the payee and the amount of the check are correctly entered on the stop payment order, the Bank assumes no responsibility for stopping payment and is not liable to you if a stop payment cannot be accomplished.
  • You  agree  to  pay  a  stop  payment  fee,  as  noted  in  ConnectOne  Bank’s Miscellaneous Bank Fees and Charges, for each new stop payment and for each renewal of a stop payment entered through CeB.
  • You must contact the Bank to stop payment on automatic debits processed by the Automated Clearing House (ACH), as this request requires additional documentation to be completed.

E-Statement:

For each account that you have specified the “Online” delivery method, a paper copy of the statement will no longer be produced.  When you change an account statement delivery method  from  “Online”  to  “Paper”  you  will  lose  access  to  any  statements  previously delivered online. You may want to save your online statement before making this change.

ConnectOne Bank’s External Transfer Service for Online Banking Customers

• Within Online Banking, you have the option of participating in ConnectOne Bank’s External Transfer Service which allows you to transfer funds between your linked personal deposit accounts at  ConnectOne Bank and  certain deposit accounts owned by  you  at  other financial institutions using an account number and financial institution identifier. An inbound transfer moves funds into an account you own at ConnectOne Bank from an account you own outside ConnectOne Bank. An outbound transfer moves funds from an account you own at ConnectOne Bank to an account outside ConnectOne Bank that is owned by you.

You must be enrolled in Online Banking to use ConnectOne Bank’s External Transfer Service. You will need to provide certain identifying information about each non-ConnectOne Bank account in order to register that account for this service. For inbound transfers, you agree that you will only attempt to register non-ConnectOne Bank personal accounts that you own or for which you have the authority to transfer funds.

Based on a pre-notification process, transfers may take up to 3 business days to process. Funds will be debited from your ConnectOne Bank account on the business day you direct us to initiate processing of the transfer, and typically will be credited to the receiving account on the next business day after the transfer is initiated.  Also, external transfers will be subject to the following limits:

Per Item: $3,000.00
Daily Limit: $3,000.00

Special rules apply to Remittance Transfers, including, but not limited to, disclosures, cancellation and refund rights and error resolution rights. See Electronic Funds Transfer Agreement for details.  Some of the above services may not be available for certain accounts, customers, or if you access Online Banking through Mobile Banking Apps or Mobile Web. ConnectOne Bank cannot guarantee the timely delivery or return of funds as a result of the failure of another financial institution to act in a timely manner.

You agree that you will have sufficient available funds in the designated deposit account to cover all outbound transfers on the date scheduled. If an account does not have sufficient funds available on the scheduled transfer date, the transfer will not be made. For other deposit accounts, if the account does not have sufficient available funds on the scheduled date, we may elect not to initiate one or more of the transfers. If we do elect to initiate the transfer, it may cause an overdraft in your account in which case you shall be liable for the overdraft and any overdraft fees and interest thereon, as set forth in your Deposit Agreement. If we do elect to  initiate  the  transfer,  you  agree  to  pay  all  related  fees  as  disclosed  in  your  Deposit Agreement.

Miscellaneous:

We reserve the right to temporarily suspend this service at any time without prior warning. Our liability for failing to make a transfer under this Agreement is specifically limited by the Electronic Fund Transfer Act, as well as all other applicable Federal and State laws.  The provisions of this Act are outlined in your Electronic Funds Transfer Disclosure.

Termination:

This agreement will remain in effect until you or the Bank terminates it.  A termination by you will not be effective until the Bank has received from you a signed written notice of the termination and has had reasonable time to act upon it.  If there is no activity on your CeB service for a period of 180 days, the Bank will terminate your service. If we do this, you will be required to re-enroll in CeB.

Regulations:

Transfers made in accordance with this Agreement, and all rights and liabilities of both you and the Bank, are subject to the provisions of the Electronic Fund Transfer Act or Fair Credit Reporting Act.   You were provided with a copy of the Electronic Fund Transfers Disclosure when you opened your account.   You should review this disclosure prior to performing transfers through CeB and Bill Pay Service as it gives general information outlining your rights and responsibilities for these transactions.

Amendments:

The Bank reserves the right to change any terms or fee disclosed in this agreement upon twenty-one days written notice to you.

Continuing Effect:

This agreement shall be governed by and construed and enforced in accordance with the laws of the State of New Jersey. In the event any provision of this agreement conflicts with state or federal law or is held to be invalid by a court, the remainder of the agreement will continue to be valid.

Consumer Mobile Deposit

1. Mobile  Deposits.    Deposits of first  party  checks  (i.e.  of  checks  made  payable  to the Customer as  the  payee),  drawn  on  financial  institutions located  in  the  United  States  and endorsed by Customer for deposit into the Account at Bank ("Checks") may be made into the Account in accordance with the terms of this Agreement ("Mobile Deposits"). Customer may not make Mobile Deposit of: (A) checks drawn on the account of the Customer, any affiliate of the Customer, or any individual principal of the Customer; or (B) any items other than Checks, including but not limited to: (i) third party checks (i.e. checks payable to a third party and endorsed to Customer); (ii) checks drawn on financial institutions not located in the United States. Bank reserves the right to reject any Check or any other item presented for Mobile Deposit, or to reject any Mobile Deposit in its entirety.

2. Funds Availability.
   A. The Bank does not become responsible for Mobile Deposit transactions until the Customer receives an e-mail confirmation of the Mobile Deposit that includes the amount of the Mobile Deposit ("Verification").
   B. Mobile Deposits Verified by 5 P.M. on a banking day for commercial banks located in the State of New Jersey (“Banking Days”) shall be treated as made on that Banking Day. Mobile Deposits Verified after 5 P.M. on a Banking Day, or Verified on a non- Banking Day, shall be treated as made on the next Banking Day.
   C. Mobile  Deposited Checks  shall  be  treated  as  “non-local” items  as  defined in Federal Reserve Board Regulation CC.  Despite this treatment, but subject to the remainder of this Agreement, the Bank may grant provisional credit to the Account, on the first Banking Day after the day of Verification, for Checks that have been the subject of Mobile Deposit. The Bank reserves the right to refuse to grant provisional credit for any Check for any reason, including Bank's doubt regarding the authenticity, validity or collect-ability of any Check.

   D. The terms of this Mobile Deposit Agreement, as it applies to Remotely Deposited Checks,  control  any  contrary  provisions  of  the  Bank's  Funds  Availability  Policy Disclosure.

3. Customer Responsibilities.
   A. Customer will, on a daily basis, review all input and output, controls, reports, email messages, and documentation, to ensure the integrity of data relating to Customer's Mobile Deposits.  Customer is responsible for promptly initiating communication to correct any improperly processed data that these reviews would disclose. If any error results from incorrect input supplied by the Customer, Customer will use commercially reasonable efforts to immediately discover and report such error to the Bank.
   B. If Customer becomes aware of any error or irregularity with respect to any Mobile Deposit, Customer shall promptly notify Bank of the same.   Notification shall be made through the e- mail address listed on the Mobile Deposit confirmation, or in such other manner as the bank may direct from time to time.
   C. Without regard to lack of care of either the Bank or the Customer, a Customer who does not, within thirty (30) days after receipt of a statement from the Bank for the time period when a Mobile Deposit was made (or is claimed by the Customer to have been made) repost any alleged error regarding such Mobile Deposit to Bank, is precluded from asserting, and does hereby waive, any claim against the Bank or any agent of the Bank relating to such Mobile Deposit or claimed Mobile Deposit.

   D. Items which have been Remotely Deposited may not be redeposited, either in another Mobile Deposit, or in paper form. Customer's knowingly allowing such redeposit or duplicate deposit is agreed to constitute fraud. Customer's other redeposit or duplicate deposit of Checks is agreed to constitute negligence. Customer's failing to keep the paper originals of items that have been Remotely Deposited safe and secure is agreed to constitute negligence. Original checks should be destroyed after the first statement cycle from the deposit date. All remotely deposited checks must be endorsed "For Mobile Deposit Only, ConnectOne Bank" AND signed by the account owner. Checks not endorsed in this manner will not be accepted.

   E. Customer is solely responsible for creating and maintaining user accounts allowing for Mobile Deposit, including assigning and revoking access privileges for users and providing new and subsequent passwords and user codes to users. It is the Customer's sole responsibility to maintain the confidentiality of the passwords and user codes and the security of access to the System for the purpose of making Mobile Deposits. Customer's failing to maintain the security of the passwords and user codes and of access to the System is agreed to constitute negligence. Customer shall not allow any third party to make Mobile Deposits through the use of the System. Customer will notify the Bank immediately if the security of the passwords and user codes has been compromised.
   F. Customer will not originate any transaction that does not comply with the laws of the United States  and  the  State  of  New  Jersey. This prohibition includes, but is not limited to, the Office of Foreign Asset Control laws and regulations.
G. Customer is solely responsible for any loss of or damage to the Hardware, Software, or other elements of the System.

4. Customer Warranties. By presenting a Check for Mobile Deposit, Customer represents and warrants to Bank that:
   A. Customer has complied with all requirements of this Agreement, including Section 1 and Section 5(D).
   B. Customer is entitled to enforce the Check.
   C. All of the signatures on the Check are authentic and authorized.
   D. The Check is not subject to a defense or a claim in recoupment that can be asserted against the Customer.
   E. The Customer has no knowledge of any insolvency proceeding commenced against the maker/drawer of the Check.

5. Bank Responsibilities.
   A. Bank will provide a representative to assist Customer with the initial installation to make Mobile Deposits if requested by Customer.
   B. Bank will provide technical support for the application on Banking Days during normal business hours.
   C. The Bank, through its data processor will process items, transactions and data necessary to effect the Mobile Deposit of Checks on the basis of information furnished by the Customer. D. Bank will use commercially reasonable efforts to reprocess any transactions, based upon data supplied by the Customer, which is necessary to correct any Customer error.
E.  If a Check is dishonored or otherwise returned, the Customer will receive an image, or a Substitute Check [as defined at 12 CFR 229.2(aaa)].

6. Bank Warranty Disclaimer.
   A. Bank makes warranty, express or implies, including any warranty of merchantability or fitness for a particular purpose, with respect to the Software, the recommended Hardware, or any other aspect of the System.

   B. The remedies set forth in this Agreement, and in particular in the Section entitled "Bank Responsibilities", shall be the sole and exclusive remedies of Customer against Bank; provided, however, that nothing in this Section is intended to waive any right or remedy of Customer that may not be subject to waiver under applicable law.

7. Suspension or Termination of Mobile Deposit Privileges; Amendment; Imposition of Conditions or Limitations.
   A. Bank may suspend or terminate Customer's privilege to make Mobile Deposits at any time, with or without cause, by notifying Customer of such suspension or termination.
   B. Bank may amend this Mobile Deposit Agreement, or may condition or limit Customer's privilege to make Mobile Deposits, at any time, by notifying Customer of such amendment, or of such conditions or limitations.

8. Limitation of Liability of Bank.  The Bank shall not be liable to the Customer: (A) for any act or neglect of the Software Provider or any internet service provider; (B) for any image of any Check, or for any other data not received by Bank or Bank's data processor; (C) for the insufficiency or unclarity of any image of any Check or any other such data, as received by Bank or Bank's data processor; (D) for any alteration of any Check occurring either before or after a Mobile Deposit of such Check; (E) for the failure to detect any alteration, counterfeit check, or multiple deposit of a Check; (F) for any unauthorized access to Customer's System; (G) for any acts of Customer's employees or third parties, including any unauthorized use of the System or any breach of System security; (h) for any unauthorized access to the Account or transactions of Customer as a result of Customer's use of the System; or (i) for any delay in the processing of any Mobile Deposit not caused solely by the negligence of Bank.

BANK WILL IN NO EVENT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES INCURRED BY CUSTOMER INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR BUSINESS OPERATION LOSS, REGARDLESS OF WHETHER BANK IS ADVISED OF THE POSSIBLE OCCURRENCE OF SUCH DAMAGES.

You understand that, while we and our service providers have established certain security procedures, such as firewalls, Codes and data encryption designed to prevent unauthorized access to your accounts or transactions, there can be no assurance that inquiries or transaction activity will be completely secure. You also understand that access to the Service will not be free from delays, malfunctions, or other inconveniences generally associated with this electronic medium. You agree that we are not responsible for any such unauthorized access, delays or malfunctions, and we are not responsible for the acts of third parties.

9.  Indemnity by Customer.  The Customer hereby indemnifies the Bank, and agrees to hold the Bank harmless from any claim, loss, liability, action, cause of action, cost, expense, including but not limited to reasonable attorneys’ fees and payments pursuant to settlements, arising out of, resulting from, or relating to: (A) any Check Remotely Deposited by the Customer; (B) any check or other item Remotely Deposited by the Customer, specifically including, but not limited to, any counterfeit check or any altered check; (C) any negligence or fraud  of  Customer  (including  Customer's  agents  and  employees);  (D)  any  breach  by  the Customer of the terms of this Mobile Deposit Agreement; (E) any breach by the Customer of any warranty given under applicable law, including but not limited to N.J.S.A. 12A:3-416; (F) any multiple deposit or redeposit of any Check, whether by Customer or by any third party, and whether or not accomplished through use of the System or otherwise; (G) Bank's compliance with instructions, information or data supplied by Customer; (H) the insufficiency of, or  any error in, any instructions, information or data supplied by Customer.

This indemnity is intended to indemnify Bank against any of the foregoing, unless the same were caused solely by the Bank's own negligence.

10. Force Majeure. Bank will not be liable to Customer for any delay in, or failure of, any Mobile Deposit (including the crediting of any funds to the Account) occurring as a result of communication service interruptions, strikes or other labor disputes; power or equipment failure; fires; floods; acts of God; federal, state, or municipal action; statute; ordinance or regulation; revolution or other civil disorders; wars; acts of enemies; or, without limiting the foregoing, any causes not within Bank's reasonable control, whether similar or dissimilar to the causes listed above.

11. Governing Law.    Unless pre-empted by federal law or regulation, all matters relating to the Mobile Deposit of Checks under this Agreement, or otherwise arising with respect to the relationship between Customer and Bank under this Agreement, shall be determined in accordance with the laws of the State of New Jersey, without regard to conflicts of law rules.

12. Consent to Jurisdiction.   Customer consents to the jurisdiction of any state or federal court located in the State of New Jersey.

13. Deposit Account Agreement.   This Mobile Deposit Agreement will govern the Mobile Deposit of Checks into the Account, and other subjects specifically set forth in this Mobile Deposit Agreement. Except to the extent that a matter is specifically subject to this MobileDeposit Agreement, the terms of the Deposit Account Agreement shall control, and are hereby incorporated.

14. Severability.  To the extent a provision of this Agreement is found by a court to be invalid or unenforceable, this Agreement will be construed as if such provision were omitted, and the remainder of the Agreement will continue to be valid.

15. Entire Agreement.    Except as set forth in Section 16, this Agreement is the entire agreement, and supersedes any prior agreements and contemporaneous oral agreements, of the parties concerning its subject matter.

16. Amendments. No amendment of, or waiver of a right under, this Agreement will be binding unless it is in writing and signed by the party to be charged.

Authorization and Acknowledgement:

• By electronically consenting to this agreement, you authorize the Bank to provide account information, transfer funds between your accounts, make ConnectOne Bank loan payments from your deposit accounts with us, place stop payments on checks you have written and provide paid check images, in accordance with the provisions of this agreement. If you choose to enroll in Bill Paying Service, you authorize ConnectOne Bank to charge your account(s) for any applicable miscellaneous service charges. By accessing CeB, you accept the terms and conditions of this agreement.
• By submitting this Agreement, you acknowledge that you have read, understand, and accept the terms and conditions of this agreement, a copy of which has been given to you. You certify that all information provided is accurate.

As used in this Business eBanking and Services and Business Mobile Banking Application Agreement (“Agreement”), the words “you” and “your” refer to the account holder(s) and the words “us”, and “we” refer to ConnectOne Bank.  You must have at least one ConnectOne Bank business account to enroll in Business eBanking (“BeB”) and Business Mobile Banking (“BMB”).  There are several services available within BeB and BMB, and your usage of BeB and BMB affirms your consent to the terms outlined in this Agreement.  Some services may require you to sign an addendum or separate agreement.

BUSINESS EBANKING AND SERVICES

Primary Administrator and Administrator Responsibility

Primary Administrator must be an authorized signor of all accounts of the entity or entities to which a unique Company ID will be assigned. Primary Administrator will act as the primary contact and liaison to us for all changes under such Company ID. You agree and understand that you are the Primary Administrator of your BeB profile.

As the Primary Administrator, you are responsible for creating and managing additional user(s) and assigning entitlements to those user(s) including the ability to create users and approve transfers and/or transactions (including but not limited to internal transfers, bill payments, ACHs and wires).

The Primary Administrator may also assign administrative rights to other users. By doing so, the Primary Administrator is authorizing the user to act in the same capacity as the Primary Administrator. A user with administrative rights (an “Administrator”) will have the same authority as the Primary Administrator such that the Administrator will have the ability to create and manage all users including the ability to create additional Administrators, accounts, and security features (e.g., assign soft tokens, an out of band authentication, approval rights, etc).

It is the responsibility of the Primary Administrator to monitor any and all actions of the Administrator(s) and other users. You assume the sole responsibility and liability on all transactions and orders entered into BeB under your Company ID. We will not monitor the authorization given to users, and we may act on any transaction or order entered into BEB by any of those users, within the rights and privileges assigned to them by an Administrator.

It is also your responsibility to immediately notify us by calling our Client Connections Center at 844-266-2548 and then follow up in writing if a Primary Administrator is no longer authorized to use BeB. You acknowledge and agree that we will have no liability for transactions or payments which were made under a Primary Administrator’s User ID and password unless you have notified us in a signed written letter to your branch of account by email, U.S postal service or fax.

The change will be effective after we have had a reasonable time to act in removing or restricting the access of that Primary Administrator.

The Primary Administrator and/or Administrators will manage all accounts added to the BeB profile under the designated Company ID by assigning the account access and services to users. A Primary Administrator can request accounts for another entity to be added to a BeB profile by sending a secure message to us through BeB. To add accounts for another entity, the message must include the EIN for that entity.

You are also responsible for deleting users who no longer require access. We will not be liable for any losses due to payment instructions received by a user who you failed to delete.

Stop Payments

You may place a stop payment order, utilizing BeB, on any check that you have written. The information on the stop payment order must identify the check number, the payee, and the amount of the check.

We will use all commercially reasonable efforts to comply with a stop payment order. However, you understand fully that unless the check number, the payee and the amount of the check are accurately provided on the stop payment order, we assume no responsibility if the stop payment order is not processed or completed.

The stop payment order must be received in time to give us a reasonable time to act upon it. Stop payment orders received before 3:00 P.M. on a Business Day are processed on the day received. Stop payment orders received after 3:00 P.M. on a Business Day may not be processed until the next Business Day. Business Day is defined in this Agreement as any day that is not a weekend or a holiday observed by the Federal Reserve. A stop payment order must be received before the check has been presented for payment.

Your stop payment order is effective for six (6) months unless renewed through BeB or in writing before the expiration of the six (6) month period. If the stop payment order is not renewed within the six (6) month period, it will automatically terminate and we may pay the check. In such an instance, you hereby agree to release and waive any and all claims against us with respect to the stop payment order or the check itself. You further agree to indemnify and hold us harmless with regard to any and all fees, expenses and costs that we may incur involving the stop payment order and/or check, including, but not limited to, any attorney’s fees and costs.

You understand that there may be claims or demands made against us as a result of your stop payment order. You agree that you will indemnify and defend us from any claim or demand of whatever nature with respect to the stop payment order and/or the check itself, and in lieu of a defense, if we decide to defend ourselves, you agree to reimburse us for any reasonable costs, expenses or attorney’s fees that we may incur in defending ourselves against any such claims or demands.

You agree to pay a stop payment order fee, as noted in our Miscellaneous Bank Fees and Charges Schedule, for each stop payment and for each renewal of a stop payment.

You must contact us to place a stop payment order on any ACH transaction, as this request requires additional documentation to be completed.

BUSINESS MOBILE BANKING APPLICATION

Your enrollment in BeB includes access to the Business Mobile Banking Application (“BMB”) by any BeB user. BMB requires the use of an eligible mobile device such as a cellular phone (“Mobile Device”). BMB is not supported by all Mobile Devices. BMB allows you to obtain account information and make various selected transactions.

You must first register for BMB and select requested services by signing onto BeB from our homepage (https://www.connectonebank.com) using a personal computer.

There is no charge for the use of BMB. However, charges and fees may be assessed by your wireless telecommunications provider for wireless data and standard text messaging (also referred to as SMS). You are responsible for any fees or other charges that your telecommunications provider may charge. Please check with your wireless telecommunications provider before subscribing to BMB.

You will need to download an application to your Mobile Device. This application allows you to sign on to and interact with the bank accounts you have added to BeB. Specifically, BMB will allow you to view account balances, pay bills and make certain internal transfers of funds. We may modify, expand or reduce these features in the future.

In the event of any modification, you are responsible for ensuring that you understand how to properly use your Mobile Device and we will not be liable to you for any losses caused by your failure to properly use BMB or your Mobile Device.

The BMB application is owned by a non-affiliated third party (“Licensor”). You hereby agree not to decompile or reverse engineer or otherwise alter the application in any way.

In the event your enrolled Mobile Device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such device(s). You understand that there are risks associated with using a Mobile Device, and that in the event of theft or loss, your confidential information could be compromised.

GENERAL TERMS AND CONDITIONS

Security Requirements

Credentials

For access to BeB and BMB, you must enter a Company ID, User ID, and password. We will issue a Company ID to you. However, you will create your own User ID and password at the time of enrollment. Each user will have their own unique User ID and password. Password requirements are at least eight characters that includes a combination of mixed case letters, numbers, and special characters. We recommend that you change your password frequently. Please remember that we will never ask you for your password nor will we have knowledge of your password.

You understand the importance of your role in preventing misuse of your account(s) and you agree to safeguard your credentials. You agree to protect the confidentiality of your account, account number, and all personal information that may be used in conjunction with credentials to access BeB and BMB. You should not disclose your User ID and password to anyone for any reason.

Access credentials, including, but not limited to, Company ID, User ID, password, token and/or security code uniquely identifies each user and authenticates and validates the instructions given to us as if they were given to us by the owner of such credentials in person. You agree to maintain unique access credentials each user and the same credentials will not be shared with multiple users. You agree that we are authorized to act on any instruction received under any user credentials (Company ID, User ID, password, token and/or security code, etc.), whether used alone or with any other credential or authorization processes. This includes your authorization that we honor any transfer requests and provide account information to anyone who provides the proper credential(s). You agree that you are solely liable and responsible for any transaction initiated by you or by any user, including those that you did not intend or want performed.

We undertake no obligation to monitor transactions through or on BeB or BMB to determine that they are/were made on your behalf.

Other Security Requirements

We utilize a secure server that supports 128-bit encryption to ensure that your personal information is safely transmitted over the internet. Please review our Privacy Policy which outlines additional steps that we take to protect your personal information. The system will automatically lock out the user after three failed attempts to access BeB or BMB. In addition, the system will automatically timeout if your session activity remains idle for a period of twenty minutes.

We use out of band authentication (OOBA) to identify unknown devices. If the system does not recognize a computer or location, the user will be prompted to complete an additional authentication process via telephone or SMS text.

It is your responsibility to maintain a protected network for your users who access BeB or BMB, including, but not limited to, maintaining latest versions and patches of anti-virus and spyware detection software on computer systems and Mobile Devices. Public or other unsecured networks should not be used for logging into BeB or BMB.

All users should be utilizing an up to date browser meeting the minimum system requirements.

BeB and BMB do not utilize pop-up windows to display messages or errors or to redirect you. They are displayed on a secure page. We will never provide an error message instructing you to wait before trying to log in again.

BEB offers an email alert feature where you can manage a variety of notifications to be sent in certain situations. We encourage you to enable alerts that suit your needs as an additional security feature.

Bill Pay Service

Your enrollment in BeB and BMB include Bill Pay Service (“Bill Pay”).There is no monthly charge for Bill Pay, but please refer to our Miscellaneous Bank Fees and Charges Schedule for miscellaneous charges that may apply.

Bill Pay allows you to send payments to both companies and individuals from any account that you designate on BeB or BMB (“Funding Account”). Payees may be added at any time.

Payments will be processed in accordance with the payment instructions provided by you or any other user to whom you provided Bill Pay entitlement. Your Funding Account will be debited on the “Send On” Date that you select and deliver those funds to the payee that you select on or around the “Deliver By” Date. The “Deliver By” Date will vary depending on the payment method (i.e. check or ACH).

When a user enters payment instructions, you expressly authorize us to withdraw the payment amount from your Funding Account and to remit those funds to the designated payee on your behalf. Additionally, with such payment instruction, you are also authorizing us to debit any applicable service related charge from any of your accounts. You further authorize us to credit your Funding Account for any payment returned from, or undeliverable to, the payee. In addition, you certify that the Funding Account is an account from which you are authorized to make payments and incur debits.

You agree to have available funds in the Funding Account on the “Send On” Date in amounts sufficient to process each payment, as well as to cover any other payment obligations you may have to us. We reserve the right at our sole discretion, without liability, to reject, suspend or reverse a payment if you or any user fails to comply with this requirement or any other terms of this Agreement. If you fail to have sufficient funds in the Funding Account, and we choose not to exercise or have not exercised our right to reverse, suspend or reject a payment, you agree to pay for such payment obligations on demand. You further agree that we may, at our option, debit any of your accounts to cover such payment obligation without any notice to you. If a payee claims to have not received a payment, please contact our Client Connection Center at 844-266-2548.

Any payment can be modified or cancelled prior to the Cut-Off Time (8:00 PM CT) on the Business Day the payment is to be processed (i.e., the “Send On” Date). However, once a payment is in-process (i.e., after this Cut-Off Time ), it cannot be modified or cancelled. For information regarding the status of a payment, please contact our Client Connection Center at 844-266-2548. Payments will not be processed any day that is not a Business Day as defined in this Agreement.

You acknowledge and agree that we will not be responsible or held accountable for late payments or fees, expenses, or penalties that you may incur regardless of the reason or cause for the late payment.

If a payment that you have scheduled has not posted by the “Deliver By” Date of if you would like to stop payment on a Bill Pay transaction, please contact the Client Connections Center at 844-266-2548. Please be advised that we may not be able to stop payment on a Bill Pay transaction that has already been initiated. If, however, we decide to make a stop payment on a Bill Pay transaction, you shall be responsible for all charges including but not limited to any charges incurred by the payee. You acknowledge and agree that if we initiate a stop payment at your request, you hereby agree to release and waive any and all claims against us with respect to the stop payment order. You further agree to indemnify and hold us harmless with regard to any and all fees, expenses and costs that we may incur involving the stop payment order, including, but not limited to, any attorney’s fees and costs.

All Bill Pay payments will appear on your statement as an “Electronic Bill Payment” regardless of the method in which a payment is sent.

Transfers

Internal Transfers

You may access your accounts to make transfers at any time. Although there are no limits on the number of transfers you may make on BeB and BMB, federal regulations require e financial institutions to limit the way withdrawals may be made from a savings or a money market account. Specifically, federal regulations impose a six (6) limit transfer per statement cycle on certain types of transfers. Transfers made through BeB and BMB are considered preauthorized transfers which count towards this limit. Please refer to your Business Deposit Account Agreement and disclosures for additional information.

Limitations on Dollar Amount of Transfers

You may transfer up to the available balance in your account.

Processing of Account to Account Transfers

Transfers processed prior to 9:00 PM EST Monday on a Business Day will be posted on the same day. Transfers made after 9:00 PM EST on a Business Day may not be posted until the next Business Day. Transfers made on a non-Business Day as defined in this Agreement will be posted on the next Business Day.

Other Transfer Guidelines

You agree that you will have sufficient available funds in the designated account to cover all outbound transfers on the date scheduled. If an account does not have sufficient funds available on the scheduled transfer date, the transfer will not be made. For other deposit accounts, if the account does not have sufficient available funds on the scheduled date, we may elect not to initiate one or more of the transfers. If we elect to initiate the transfer, it may cause an overdraft in your account in which case you shall be liable for the overdraft and any overdraft fees and interest thereon, as set forth in your Business Deposit Account Agreement. If we elect to initiate the transfer, you agree to pay all related fees as disclosed in your Business Deposit Account Agreement.

We may also limit the type, frequency, and amount of transfers for security purposes, and may change or impose other limitations, without notice, at our sole option.

E-Statement

For each account you have selected to receive bank statements by way of “Online” delivery, bank statements will be only made available to you online. If you change your bank statement delivery method from “Online” to “Paper”, you will lose access to any bank statements which were made available to you online. Therefore, we recommend that you save all bank statements made available to you online before changing your delivery method to “Paper.”

Miscellaneous

You agree to provide true, accurate, current and complete information as requested in registering for BeB and BMB. You agree to comply with all applicable laws, rules, and regulations in connection with your use of BeB and BMB.

We may modify BMB from time to time at our sole discretion.

We are providing BeB, BMB and all related services on an "AS IS" and "AS AVAILABLE" basis,without any warranty or guarantee. You acknowledge, understand, and agree that BeB and BMB may be delayed, interrupted or disrupted periodically for an indeterminate amount of time due to circumstances beyond our control. We shall not be liable for any claim arising from or relating to your use of BeB, BMB, including but not limited to claims relating to any delay, interruption, disruption or similar failure. Further, in no event will we be liable for indirect, consequential or special damages, including lost profits, arising from your use of BeB or BMB, even if such damages were reasonably foreseeable and notice was given regarding them. These limitations will apply to all causes of action, whether arising from breach of contract, tort (including negligence) or any other legal theory.

We reserve the right to temporarily suspend or deny access to BeB and/or BMB to any user at any time without warning.

Your use of BeB and BMB, and all entities and all accounts that you place under your BeB profile are governed by this Agreement and the Business Deposit Account Agreement governing the accounts you access through BeB and BMB. The Business Deposit Account Agreement is incorporated into this Agreement by reference. The Business Deposit Account Agreement shall govern should there be any conflict between this Agreement and the Business Deposit Account Agreement.

If you have any problems with BeB or BMB, please contact the Client Connections Center at 844-266-2548.

Termination of Enrollment

This Agreement will remain in effect until you or we terminate this Agreement.

A termination by you will not be effective until two (2) Business Days after we have received from you a signed written notice of termination addressed to:

ConnectOne Bank
Attention: Business eBanking
2455 Morris Ave.
Union, NJ 07083

We may terminate this Agreement at any time by giving written or oral notice to you. If there has been no BeB and/or BMB activity for a period of 180 days, we may terminate your service without written or oral notice. If we do this, you will be required to re-enroll in BeB and BMB.

Regulations

Transactions under BEB and BMB are subject to the provisions of the Electronic Fund Transfer Act and Fair Credit Reporting Act. You were provided with a copy of the Electronic Fund Transfers Disclosure when you opened your account. You should review that disclosure prior to performing any transactions through any service available on BeB or BMB under this Agreement as it provides general information outlining your rights and responsibilities for such transactions.

Amendments

We reserve the right to change any of the terms in this Agreement.

Continuing Effect

This Agreement shall be governed by and construed and enforced in accordance with the laws of the State of New Jersey.

The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of the remainder of this Agreement.

Acknowledgement

By using BeB and BMB and having clicked the “AGREE” button upon enrollment, you acknowledge that you read, understand, and accept all the terms and conditions of this Agreement.

MyCard Manager Terms & Conditions

Rev. 02/2022

What does ConnectOne Bank do with your personal information from the mobile application?

Why?

The mobile application requests access to information stored on your device such as location, camera, contacts, or other features you are enrolled in to enrich and simplify your own user experience and improve our services, as well as provide additional security to protect your account.

It is important for you to understand that:

• Before granting access to this information, you will be prompted to give the application that permission.
• If you do not wish to grant that permission, you may decline.
• If you later change your mind, those permissions can be updated in your device's settings

What?

Some examples of information your app will request access to are:

• Location — Locations data is saved within Mobile Banking to be re-accessed by the customer when they want to review branches and ATMs they have visited previously. This data is retained for 13 months.
• Contacts — Mobile Banking accesses your contact list only for Zelle™ Services (excluding the ConnectOne Bank Business Mobile app). You must manually add the option to allow the use of Contacts for Zelle payments. If Contact information is used to create a payee, Zelle keeps the payee information for as long as you is an active Mobile Banking client.
• Camera — Photos of checks you deposit using Mobile Banking’s Remote Deposit Capture feature are saved for 24 months following the image capture of the deposited check

How?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

The application information is retained in accordance with state and federal record retention laws. Please contact us to determine specific timeframes for your personal stored information and if that information may be deleted.

Questions?

Please contact ConnectOne Bank at (844)266-2548 or [email protected] regarding questions about the information included in this Mobile Privacy Disclosure or questions about this application.

You can also access the bank’s full Privacy Policy at connectonebank.com/legal.

ConnectOne Bank Terms of Use for Mobile Payment Services

Last modified: April 2022

These terms of use for mobile payment services (the "Terms") apply when you choose to add a debit card issued by ConnectOne Bank ("Card") to a mobile payment wallet ("Wallet"). In these Terms, "you" and "your" refer to the holder of the Card, and "we," "our," and "Bank" refer to ConnectOne Bank.

When you add a Card to a Wallet, you agree to these Terms:

1.        Adding a Card. A Card may be added to any eligible Wallet by following the instructions of the Wallet provider (e.g., ApplePay, GooglePay, Samsung Pay, etc.). Only Cards indicated as eligible can be added to an eligible Wallet. A Card may be added to multiple Wallets and through multiple eligible devices. The Terms apply to each Card in each Wallet and to your use of each Card in each Wallet.  You understand that your use of a Card through a Wallet is subject to the agreements or terms of use required by the Wallet provider, third party wireless companies, and/or data service providers and others (each, a "Service Provider"). You may not add a Card to a Wallet or use a Card in a Wallet if the Card has a negative balance, or if the Card has been cancelled, suspended or closed for any reason.

2.        The terms of the Cardholder Agreement do not change. The terms of the Cardholder Agreement governing the Card ("Cardholder Agreement") do not change when you add the Card to a Wallet. A Wallet simply provides another way for you to make purchases with the Card. Any applicable fees and charges that apply to the Card will also apply when you use a Wallet to access the Card. Bank does not charge any additional fees for adding the Card to a Wallet or using the Card in a Wallet. The Wallet provider and Service Providers may charge fees.

3.        Bank is not responsible for the Wallet. Bank is not the provider of each Wallet you use, and is not responsible for providing Wallet services to you. Bank is responsible for supplying information securely to the Wallet provider to allow use of the Card in the Wallet. Bank is not responsible for any failure of a Wallet or the inability to use a Wallet for any transaction. Bank is not responsible for the performance or non- performance of the Wallet provider or any other Service Provider regarding any agreement you enter into with the Wallet provider or associated third party that may impact use of a Wallet. Questions about how to use a Wallet should be addressed to the Wallet provider.

4.        Wallet functions.  By adding the Card to a Wallet, the Card may be used to make purchases where the Wallet is accepted but restrictions may apply to use of the Card and/or the Wallet. Card use restrictions include, but are not limited to:  restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent Bank liability; and other restrictions to prevent fraud and other losses. Information about the Card and certain recent transactions may also be made available through a Wallet.  The Wallet may not be accepted everywhere the Card is accepted.

5.        Security.  You agree to protect and keep confidential your User ID, passwords and all other authentication information required for your use of a Card in a Wallet. If you share any of these credentials with others, third parties may be able to use your Card through a Wallet and access Card information made available through the Wallet. To complete certain purchases, a merchant may require you to present a physical Card or government-issued form of identification.

6.        Billing errors. You are responsible for identifying and reporting errors in accordance with the section of the Cardholder Agreement containing information about your right to dispute errors if any occur when you use a Card in a Wallet. Any reported error will be resolved in accordance with the terms disclosed in the Cardholder Agreement. 

7.        Ending or suspending use of a Card.  Your ability to use a Card in a Wallet can be ended or suspended at any time and the Bank has the right to block transactions made with a Card through a Wallet at any time. You may remove your Card from a Wallet by following the instructions provided by the Wallet provider.

8.        Privacy and security.  You agree that by adding a Card to a Wallet, information about you will be exchanged with the Wallet provider, Service Providers, the Card networks (e.g., Visa® and Mastercard®) and others in order to facilitate any Wallet services you request; to make information about Card transactions available to you; and/or to improve your ability to obtain Wallet services. We do not control how the Wallet provider or Service Providers use information received in connection with the Card.  Use of a Wallet involves the electronic transmission of personal information through third party connections. Reasonable commercial efforts will be used to ensure that information sent in connection with your use of a Wallet is sent securely. However, Bank is not responsible for the security of information once it has been provided to the Wallet provider or any Service Provider; Bank is not responsible if a security breach occurs that affects any such information stored by a Wallet provider or a Service Provider.

9.        Disclaimer of warranties. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF A CARD YOU ADD TO A WALLET IS AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE CARD MADE AVAILABLE TO YOU THROUGH A WALLET IS PROVIDED TO YOU "AS IS" AND "AS AVAILABLE," WITH ALL DEFECTS THAT MAY EXIST FROM TIME TO TIME AND WITHOUT WARRANTY OF ANY KIND, AND BANK, ON BEHALF OF ITSELF AND ITS SUPPLIERS, HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO ANY CARD YOU ADD TO A WALLET, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS.

10.      Governing law. The Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the Cardholder Agreement of the Card. Disputes arising out of or relating to these Terms are subject to the dispute resolution procedures described in the Cardholder Agreement.

11.      Changes to the Terms. The Terms may be changed at any time. You agree to any such changes by continued use of the Card in a Wallet and/or by keeping the Card in a Wallet.  The date of the most recent change to the Terms appears at the beginning of the Terms, immediately below the caption.

12.      Questions.  If you have questions, disputes, or complaints about a Wallet, contact the Wallet provider using the information provided to you.  If you have questions, disputes, or complaints about a Card, refer to the contact information contained in the Cardholder Agreement and printed on the back of the physical Card.

 13. If additional verification is required to add your card to this digital wallet, we may need to ask for additional verification using text message or email. If you choose text messages as your verification method, you consent to receive text messages at the mobile phone number you have on file with us for this card. Text messages may be transmitted using auto-dialer technology. Your usual wireless carrier fees may apply. 

One message per user. Message and Data Rates May Apply. The mobile carriers are not liable for delayed or undelivered messages. 

HELP instructions: Text HELP to 91098. 

STOP instructions: Text STOP to 91098 to cancel.

ConnectOne Bank

www.connectonebank.com

844-266-2548

[email protected]

https://www.connectonebank.com/About/Resources/Privacy-Policy

We Do Business In Accordance With Federal Fair Lending Laws UNDER THE FEDERAL FAIR HOUSING ACT, IT IS ILLEGAL, ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, RELIGION, SEX, HANDICAP, OR FAMILIAL STATUS (HAVING CHILDREN UNDER THE AGE OF 18), TO:

• Deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny any loan secured by a dwelling; or
• Discriminate in fixing the amount; interest rate, duration, application procedures or other terms or conditions of such a loan, or in appraising property.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:

Assistant Secretary for Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410

For processing under the Federal Fair Housing Act and to:

National Center for Consumer and Depositor Assistance
Federal Deposit Insurance Corporation
1100 Walnut Street, Box #11
Kansas City, Missouri 64106
https://ask.fdic.gov/fdicinformationandsupportcenter for processing under the FDIC Regulations

UNDER THE EQUAL CREDIT OPPORTUNITY ACT, IT IS ILLEGAL TO DISCRIMINATE IN ANY CREDIT TRANSACTION:

• On the basis of race, color, national origin, religion, sex, marital status, or age,
• Because income is from public assistance, or
• Because a right was exercised under the Consumer Credit Protection Act.

IF YOU BELIEVE YOU HAVE BEEN DISCRIMINATED AGAINST, YOU SHOULD SEND A COMPLAINT TO:
For processing under the Federal Fair Housing Act and to:
FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, Missouri 64106
For processing under the FDIC Regulations

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda).

Under the Federal Community Reinvestment Act (CRA), the Federal Deposit Insurance Corporation (FDIC) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The FDIC also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the FDIC; and comments received from the public relating to our performance in helping to meet community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the FDIC publishes a nationwide list of the banks that are scheduled for CRA examination in that quarter. This list is available from the Regional Director, FDIC, 350 Fifth Avenue, Suite 1200, New York, NY 10118. You may send written comments about our performance in helping to meet community credit needs to Laura Criscione, ConnectOne Bank, 301 Sylvan Avenue, Englewood Cliffs, New Jersey 07632 and FDIC Regional Director, FDIC, 350 Fifth Avenue, Suite 1200, New York, NY 10118. You may also submit comments electronically through the FDIC's Web site at www.fdic.gov/regulations/cra. Your letter, together with any response by us, will be considered by the FDIC in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the FDIC Regional Director. You may also request from the FDIC Regional Director an announcement of our applications covered by the CRA filed with the FDIC. You may request from the Regional Director, FDIC, 350 Fifth Avenue, Suite 1200, New York, NY 10118 an announcement of applications covered by the CRA filed by bank holding companies.