Dear Valued Customer,

You are at the center of everything we do at SB One Bank, and we are

excited to announce that our partnership with Enterprise Bank was

specifically designed to benefit you.

It was very important to us that we find the right bank to merge with, and

we found that in Enterprise. Not only are they a like-minded bank – one

that values the customer experience and the community it serves – but

similar to us, they understand that our business hinges on the ability to

cultivate genuine relationships with our customers and to earn the trust

and respect of you.

We are excited to share that this merger will result in significant

enhancements – the convenience of expanded branch locations in New

Jersey and New York, new digital capabilities and increased access to

new products and services. We look forward to sharing these

enhancements with you shortly. In the interim, we wanted to provide you

with important dates and details which you can find enclosed in this

Merger Guide.

We truly believe that there’s no better time than now to be an SB One

Bank customer, and we look forward to providing you with an even better

banking experience.

Anthony Labozzetta

President & CEO

SB One Bank

▪ Friday, February 8 through Monday, February 11 – There will be disruptions in the following services from

4:00 PM on February 8 until 8:00 AM on February 11

o Retail Online Banking will be in inquiry only mode, which does not allow for transactions (i.e.,

transfers)

o Business Online Banking will not be available

o Bill Pay services will not be available

o Mobile App will not be available

o Telephone Banking will be in inquiry only mode, which does not allow for transactions (i.e.,

transfers), only access to balances

▪ Saturday, February 9 – All Enterprise Bank branch locations will be open regular business hours

▪ Monday, February 11 at 8:00 AM

o All Retail Online Banking/Business Online Banking will be accessible via the SB One Bank Log On

(www.SBOne.bank), but you may experience intermittent disruptions throughout the day

o The SB One Bank mobile app will be available for download to gain access to Mobile Banking

(iPhone/Android)

Consumer Online Banking

After 4:00 PM on Friday, February 8, Consumer Online

Banking will be in inquiry only mode until 8:00 AM

Monday, February 11. This means you will NOT be

able to process any transfers, process any bill

payments, etc. On Monday, February 11, you will be

able to access your account(s) from SB One Bank’s website. To access, visit www.SBOne.bank, choose

online banking from the drop-down box and enter

your user ID and password in the log in box at the top

of the screen. Once you log in, you will be prompted to

accept SB One Bank’s terms and conditions.

Business Online Banking

On Friday. February 8, at 4:00 PM, Enterprise Bank’s Business Online Banking platform will no longer be

available. On Monday, February 11, at 8:00 AM, you will

be able to access your account(s) from SB One Bank’s website. To access, visit www.SBOne.bank, choose

business online banking from the drop-down box and

enter your existing Enterprise Bank user ID and

password/token code in the log in box at the top of

the screen. Once you log in, you will be prompted to

accept SB One Bank’s terms and conditions.

External Online Banking Transfers

All recurring transfers will need to be rescheduled in

SB One Bank’s online banking as of Monday, February

11. Please be sure to copy down your current

transfers to ensure a smooth transition. After Friday,

February 8, at 4:00 PM, you will not be able to access

this information.

Bill Pay

Once enrolled in SB One Bank’s Online Banking, you will need to recreate your settings and payees. The

routing number for all payments should be changed to

SB One Bank’s routing number 021206249.

Mobile App

On Friday, February 8, at 4:00 PM, Enterprise Bank’s

mobile app will be no longer be available. On Monday,

February 11, you will first need to log into online

banking via computer. You will need to delete

Enterprise Bank’s app, download SB One Bank’s free mobile app from the Google Play or Apple App Store

and sign in to re-establish mobile access. For your

convenience, you will now have access to Mobile

Deposit Capture, a new feature of the mobile app.

Mobile Alerts

All mobile alerts will need to be re-established through

SB One Bank’s online banking as of Monday, March 26.

To re-establish your alerts, go to www.SBOne.bank, log

into online banking, click on “Profile” at the top of the screen, and click on “Enroll” in the Mobile Banking

section.

Quicken/Quickbook Users

If you are a Quicken/Quickbook user, there is a small

step you need to take prior to Friday, February 8th in

order to maintain one ledger in your program. Please

refer to the instructions on the merger page of our

website.

Direct Deposit/Automatic Payments

If you are enrolled in Direct Deposit or automatic

payments, your transactions will continue to post as

normal; however, we request that you update your

routing number to SB One Bank’s routing number: 021206249.

Checks

You can continue to use Enterprise Bank checks

after the conversion. Once you run out of your

existing supply, you can order additional checks

through any existing Enterprise or SB One Bank

branch.

ATMs

All Enterprise Bank ATMs will be available for cash

withdrawals during conversion weekend, however,

they will not be available for deposits.

Telephone Banking

Telephone Banking will be in inquiry only mode as of

Friday, February 8 at 4:00 PM. On Monday, February

11, at 9:00 AM, you will be able to access SB One

Bank’s telephone banking service using your existing PIN and by dialing (800) 511-9900. Your password will

remain the same 4-digit PIN you previously created.

Account Numbers

Your account numbers will remain the same unless you

have received previous communication from us.

Certificates of Deposit & IRAs

There will be no change to your account number,

interest rate, maturity date or any other terms of your

CD/IRA unless you have received previous

communication from us.

Statements

You will receive two sets of statements during the

month of February. The first set will be from Enterprise

Bank that will reflect activity up to February 8. The

second set will be from SB One Bank. This statement

will be sent according to your existing statement cycle

and will also include activity from February 11 – February 28.

End of Day Cut-off Time

End of day cut off times for in branch deposits will

remain the same (the time the branch closes). End of

day cut off times for all other methods of deposits (i.e.,

online banking transfers, mobile capture deposits,

etc.) will also remain the same.

Debit Card/ATM Card

If you are an existing debit card holder, you will be receiving

a new SB One Bank debit card in early February (further

communication to follow). Until then, your current debit or

ATM card will continue to work.

Office Hours

All Enterprise Bank and SB One Bank branch hours will

remain the same.

Phone Lines

Currently, all existing Enterprise Bank phone numbers

will remain active.

Loan Payments

All loan payments after February 11, 2018 should be

sent to SB One Bank, P.O. Box 7128, Rochelle Park, NJ

07662. In addition to SB One Bank branches, existing

Enterprise branches will continue to accept your

payments.

Have a merger related inquiry or experiencing technical difficulties? We are here to help you! Call your nearest Enterprise Bank branch

for assistance (see page 10 for contact information).

In today’s day and age, digital banking is the rule, not the exception. That’s why we’ve developed a revolutionary resource that goes above what typical bank branches offer. Our Digital Banking Center offers you the digital banking tools you

need but with the personal touch you’ve come to expect from SB One Bank.

Our highly trained, smart, and friendly associates offer one-on-one attention,

sitting down with you to help you fully understand our Digital Banking Products and

find the solutions that are best for you.

Online Banking

Our online banking system offers a seamless and convenient experience along with:

E-statements

Cut down on mail and paper waste with monthly e-statements, accessible online when you need them for up to 18 months.

PopMoney

Send immediate cash – with no service fees or additional charges – to family and friends with this exciting feature that alerts

payees via email or text message.

Card Valet

Take debit card security into your own hands. Control when, where and how your cards are used with Card Valet.

Positive Pay*

There’s no better time than now to consider Positive Pay to help safeguard your business from fraud. Enroll and you’ll get a simplified accounts payable process, control over the payment of checks and extensive reporting capabilities.

Allpoint ATM Network

Allpoint provides you with the freedom to get your cash where you want, when you want it and without ATM

fees. With over 55,000 ATMs in the Allpoint Network, your cash is never far away. Just look for the Allpoint

logo or better yet, use the Allpoint mobile app to find the nearest Allpoint ATM.

Merchant Services*

Your business needs financial solutions that allow you to stay focused on what you do best. That’s why we work with

Heartland Payment Solutions to tailor our services to fit what you need, when you need it. When it’s time to do business, we

are here to help you prosper.

We offer payment, point-of-sale, ecommerce, customer engagement and bill payment solutions, whether you’re in-store

or on-the-go. We provide you with simple, results-based solutions to give your business flexibility, efficiency, security and

growth. Heartland’s customer service representatives in the U.S. provide assistance 24/7 to keep your business running at

top speed.

For more information, visit our website at www.SBOne.bank.

Remote Deposit Capture*

Don’t waste precious time running to the bank. With Remote Deposit Capture, you can make non-cash deposits from your

desk or place of business by using our specialized space-efficient scanner. Simply scan checks and capture them for

electronic deposit. Your check images will be stored electronically for two years for easy access whenever you need to see

them – cut down on paper and manage your checks digitally.

*product for business customers only

At SB One Bank, we offer more than personal banking. Through our wealth services,

our team can assist you in creating a sound financial portfolio. We are here to guide you

every step of the way. Let us help you build for the future. Contact your local branch to

schedule a complimentary consultation with a qualified Financial Representative at SB

One Bank for additional details about each service.

SB One Bank also provides personal and business insurance expertise through SB One

Insurance Agency. For more than 60 years, SB One Insurance Agency has served

residents of New Jersey, New York, and Pennsylvania, representing more than 20 of the

country’s most respected and highly rated regional and national carriers to write insurance in 37 states, securing the best rates for you and offering quick, efficient action

on your claims.

SB One Insurance Agency 96 Route 206 – PO Box 4

Augusta, NJ 07822 P: 973-579-6776

INSURANCE & WEALTH SERVICES ARE:

Not FDIC-Insured, No Bank Guarantee, May Go Down in Value, Not a Deposit, Not Insured by Any Federal Government Agency

490 Kenilworth Blvd 7 Church Street 165 Main Street

Andover, NJ 07821 Kenilworth, NJ 07033 Vernon, NJ 07462

P: 973-786-5150 P: 877-604-5705 Opt. 2 P: 973-764-6175

125 W. Pleasant Avenue 378 Route 23 South 100 Route 206

Maywood, NJ 07607 Wantage, NJ 07461 Augusta, NJ 07822

P: 201-587-1221 P: 973-875-9957 P: 973-940-7950

324 Broad Street

Bloomfield, NJ 07003

P: 877-604-5705 Opt. 4

3900 Park Avenue

Suite 108

Edison, NJ 08820

P: 877-604-5705 Opt. 3

12-79 River Road

Fair Lawn, NJ 07410

P: 201-791-0101

PO Box 353

390 Route 23

Franklin, NJ 07416

P: 973-827-2404

430 Schooley’s Mtn.

Road

Hackettstown, NJ 07840

P: 908-645-0398

*For residents only

266 Clove Road

Montague, NJ 07827

P: 973-293-3488

188-190 Wilson Avenue

Newark, NJ 07105

P: 877-604-5705 Opt. 5

15 Trinity Street

Newton, NJ 07860

P: 973-383-2211

296 Kinderkamack Road

Oradell, NJ 07649

P: 201-225-8650

210 Rochelle Avenue

Rochelle Park, NJ 07662

P: 201-843-2300

33 Main Street

Sparta, NJ 07871

P: 973-729-7223

28-21 Astoria Blvd.

Astoria, NY 11102

P: 347-472-1727

100 Enterprise Drive

Suite 700

Rockaway, NJ 07866

P: 844-256-7328

18 Railroad Avenue

Rochelle Park, NJ 07662

P: 201-587-1223

490 Kenilworth Blvd

Kenilworth, NJ 07033

P: 877-604-5705 Opt. 2

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