INVESTMENT SERVICES U.S. GOVERNMENT SECURITIES Sterling provides U.S. Government Securities that give you a vast choice of investments. This enables you to construct a short-term investment portfolio with maturities timed to meet your business and personal needs. If your portfolio needs the stability and liquidity of securities backed by the U.S. Government, you can purchase Treasury Bills with maturities of 13 weeks - 91 days, 26 weeks - 182 days and 52 weeks - 365 days; Tax Anticipation Bills, Treasury Notes or Bonds. As a dealer in government obligations, Sterling can offer wide choices at competitive prices with varying maturities and minimum amounts. For more information, talk to your local Branch Account Officer. INSTITUTIONAL INVESTMENTS If you are an institutional fiduciary searching for a large investment, we invite you to request the latest available financial information about Sterling National Bank, which is considered to be a safe, sound and secure Bank with one of the highest capital ratios in its marketplace. Our strength has attracted many large depositors. We are prepared to tailor our investment services to meet your specific requirements consistent with the size of your deposit. CERTIFICATES OF DEPOSIT Sterling can customize high yield, low risk instruments that are fully competitive in today's evolving economy. Maturities are seven days or longer, penalties do apply for early withdrawal. They offer a fixed return on funds invested for a specified time period. Interest is paid at maturity. Minimum investment is $2,500.

REPURCHASE AGREEMENTS Sterling provides repurchase investments that are 100% secured by U.S. Treasury securities pledged for your account. This provides overnight investment options for businesses, individuals, municipalities, state or federal government accounts which have unique investment requirements and idle cash, by law or preference. This is not a deposit and is not insured by the FDIC, but it is just as secure due to its 100% collateralization by U.S. Government Securities, which are held for you in a segregated, pledged account at the Federal Reserve Bank. SHORT-TERM INVESTMENTS At Sterling, we can explain and execute all of your short term investing for your business and personal investment. We provide a full range of money market instruments and can execute the orders, handle safekeeping and collection, inform you about renewals, and maintain awareness of trends and developments in money market rates. You tell us how much you want to invest, and the maturity you want, we'll explain the different investments available including the interest rate, the term, the minimums, and follow through on all the details. For those instruments that can be sold prior to maturity, we can arrange for sale at prevailing market rates. We have the capability to keep track of rates, terms and availability for all investments. In practically every case, it takes only a phone call to get all the information you need to decide and place an order. Your Account Officer handles all details personally keeping your investment objectives in mind at all times.