With all of these experts working together on your behalf, you can expect nothing less than banking at its very best at Sterling. Private Banking relationships include: ! A Private Banking Checking Account, our most exclusive checking account, which features our best banking amenities. ! Private Banking Savings, which pays our highest tiered rates. ! A holistic approach to service, delivered under the attentive supervision of your Private Banker. Private Banking is designed to bring our most valued clients the very best that Sterling has to offer. With dedicated accounts, exclusive amenities and unique privileges, our Private Banking clients enjoy banking that is more productive and satisfying than ever before. As a Private Banking client, all of Sterling’s services, capabilities and expertise will continue to be delivered to you through your dedicated commercial banking team, which will include your Sterling Private Banker. You can rely ! Regular financial reviews to provide consistent monitoring of your finances. ! Desk-side service in our financial centers, which allows you to avoid bank lines and gain immediate personal assistance. Private Wealth Services The Ameriprise financial advisors affiliated with Sterling Private Wealth Services can help you build a comprehensive action plan for your financial future – one that leverages the potential of today’s markets and provides strategies to help you: ! Reduce or defer your current income tax payments ! Prepare for retirement ! Plan with a focus on long‑term growth potential ! Work to increase current cash flow ! Open a college fund ! Preserve your estate for your heirs A full spectrum of products and services is made available to you through our relationship with Ameriprise Financial, a global financial leader. ! Dedicated call-center phone access, reserved exclusively for Private Banking clients. on your Private Banker for expert guidance as well as assistance with your day-today banking tasks across your entire relationship, including your business and Your gateway to exclusive services and opportunities. personal banking, to ensure all aspects of your finances work together seamlessly. Depending upon your needs and preferences, your Private Banker may also call in Sterling specialists in consumer or commercial credit or mortgage, or a representative of Sterling Private Wealth Services to assist in portfolio management, financial planning and other investmentrelated tasks. ! An available Personal Line of Credit with a line amount and rate structure tailored to your unique needs and resources.* ! Highly customized lending opportunities and pricing to assist in a personal home purchase or refinance and vehicles. Private Banking is not for everyone. But if you feel our services may be the right solution for you, feel free to discuss the possibility with your Sterling banker or Wealth Services advisor. * Subject to underwriting guidelines and credit approval. Investment advisory products and services are made available through Ameriprise Financial Services, Inc., a registered investment adviser. Ameriprise Financial and its representatives do not offer tax or legal advice. Consult with a tax advisor or attorney. Ameriprise Financial Services, Inc. Member FINRA and SIPC. Not FDIC Not Bank Insured Guaranteed Not Insured by Any Federal Government Agency May Lose Value Not a Bank Deposit Sterling National Bank and Sterling Private Wealth Services are not registered broker/dealers and are not affiliated with Ameriprise Financial Services, Inc.