Sterling Overview 2nd Quarter - 2019 | Page 2

30 COMMERCIAL & SPECIALTY LENDING TEAMS ACROSS THE COUNTRY The Sterling Advantage Our focus is on privately held small to mid-size businesses, non-profits, and governmental entities, as well as the owners and senior managers of those entities. Each of our clients is matched with a dedicated team and single point of contact, and we’re committed to bringing our clients a full spectrum of products and services provided by large institutions, but with personalized service provided by a small bank. • Single Point of Contact • Execution–Driven • High Performance • Robust Risk Management Platform & Controls • Technology to Drive Efficiency, Enhance Service, Manage Risk Our dedicated commercial teams — with a range of expertise across a range of industries — provide our clients with the utmost personalized service. Because strong relationships are the foundation of our banking philosophy, our clients are confident the guidance they receive from us comes from extensive knowledge of their business, industry, and marketplace, as well as a genuine desire to help them succeed. We’re committed to providing customized products and services designed to help you coordinate every financial need of your business and its key executives — from loans to treasury management to mortgages to personal financial management. This wide range of services brought together in a customized package helps you make the best decisions for your business. Commercial Lending Specialty Finance Sterling is equipped to provide solutions beyond traditional banking, offering a range of asset- based financing options. We offer specific expertise in a number of lending categories nationally that many other middle-market providers do not. These include mortgage warehouse lending, franchise finance, healthcare finance, lender finance, public finance, equipment finance, asset based lending, commercial services and loan syndications as lead arranger. We specialize in serving the financing needs of small to mid-sized businesses. Whether you’re upgrading equipment, expanding services, or simply want to streamline cash flow, we can help. Your request will be processed by a trusted advocate who understands your business and your potential. Your dedicated team of Sterling bankers will tailor the right solution for you — for today and for your needs ahead. Commercial Real Estate & Community Development Lending Sterling provides real estate financing for the purchase or refinancing of commercial real estate, with flexible loan-to-value ratios and your choice of biweekly or monthly payment plans. We’re experts in bridge financing, acquisition financing, refinancing, and commercial mortgages. BROAD RANGE OF SERVICES Private Banking Depository & Treasury Management We offer access to an extensive lineup of financial solutions and unique privileges. Sterling Private Banking offers superior service and convenience that’s second to none – all delivered by a dedicated Sterling Private Banker who’s there to help you make the most of it all. This is personal banking at its best, designed to make every experience more convenient, productive and satisfying than ever before. Our custom treasury management solutions are carefully tailored to meet your business’s evolving needs. Leverage our solutions to manage your finances more productively and efficiently, so you can stay focused on running your business. Build an action plan for your future. Sterling Wealth Services offers access to investment and insurance products through LPL Financial.* To discuss these products and services, call 844-222-4090 to make an appointment with an advisor. * Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker/dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Sterling National Bank and Sterling Wealth Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Sterling Wealth Services, and may also be employees of Sterling National Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Sterling National Bank or Sterling Wealth Services. Securities and insurance offered through LPL or its affiliates are: Not Insured by FDIC or Any Other Federal Government Agency Not Bank Guaranteed Not Bank Deposits May Lose Value SNB-SS-AAG 0919