SMALL BUSINESS MONTH

A BIG HELP TO YOUR SMALL BUSINESS

Combining the personalized service of a community bank with the resources and capabilities of a regional bank, we’re here to support your small business.

Explore these special offers before they end!

Get up to $600 when you open a new BusinessAdvantage^SM Checking account and enroll in Business Bill Payment¹
Earn 3.25% APY and maximize your return with a Provident Business Money Market Account²
Enjoy a 0% APR³ on purchases and balance transfers for the first 18 billing cycles. After that, a variable APR, currently 16.74% - 25.74%³, with a Provident Mastercard^® Business Card
Receive up to $500 in account credit from Clover Merchant Services⁴
Receive 30 days of payroll with no fees from Heartland⁵
Complimentary Retirement Plan Evaluation from Provident Investment Services^6*
Complimentary Insurance consultation and quote from Provident Protection Plus^7*

ENTER TO WIN $100 TO SUPPORT A

LOCAL SMALL BUSINESS!

Entry rules & prize details listed below**

¹Qualification requirements to receive up to $600 checking bonus: (1) receive $400 checking bonus when you open a new Provident BusinessAdvantage Checking account; deposit $50 or more at account opening; and maintain an ‘average balance for the period’ of $25,000 of new money (funds not already on deposit at Provident Bank) for each of the first 2 full statement periods following the account opening date; (2) receive $200 checking bonus when you enroll in Business Bill Payment through ProvidentConnect for Business Online Banking within the first 2 full statement periods following the account opening date; and maintain an ‘average balance for the period’ of $25,000 of new money (funds not already on deposit at Provident Bank) for each of the first 2 full statement periods following the account opening date. After you have completed the requirements, including satisfactory management of your account, we’ll deposit the checking bonus(es) in your new account within 90 days of the last day of the promotion (last day of the promotion is May 31, 2023). Limited to one account and cash bonus offer per business tax ID. Offer subject to change or cancellation at any time without notice. The value of the checking bonus for qualifying account holders may constitute taxable income to you. To facilitate tax reporting, Provident Bank will issue the required IRS Form 1099-INT to you that reflects the value of the bonus as of December 31, 2023. Please consult your tax advisor, as neither Provident Bank, its affiliates, nor their employees provide tax advice. Employees of Provident Bank and its subsidiaries, members of their families and suppliers of Provident Bank are not eligible to participate.

²Qualification requirements for Business Money Market: To qualify for the Business Money Market Promotional Annual Percentage Yield (APY) Offer, you must open and maintain a Business Money Market account by May 31, 2023. There is a minimum of $25,000 new money (funds not already on deposit at Provident Bank) to open and maintain the Business Money Market account for this promotional offer. A minimum balance of $25,000 is required to earn the promotional 3.25% APY on your entire balance. Fees could reduce earnings. The promotional 3.25% APY is fixed for one (1) year from the account opening date on your balances over $25,000. After one (1) year, the promotional 3.25% APY will change to the then prevailing variable APYs, currently 0.05% on balances $50 - $24,999, 0.10% on balances $25,000 - $99,999, 0.15% on balances $100,000 - $249,999 and 0.20% on balances $250,000 or more. Non-promotional interest rates and APYs are variable and subject to change at our discretion. The minimum daily balance to earn interest on the Business Money Market account is $50. The minimum to open the account is $50. Offer may be withdrawn at any time and without notice. Employees of Provident Bank and its subsidiaries, members of their families and suppliers of Provident Bank are not eligible to participate.

³The 0% introductory APR applies to purchases and is valid for the first 18 billing cycles. The 0% introductory APR applies to balance transfers made within 558 days of account opening and is valid for the first 18 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 4/14/23 the undiscounted variable APR for purchases and balance transfers is 16.74% to 25.74% (based on your creditworthiness). The variable APR for Cash Advances is 29.99%. The Penalty APR is 31.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $10 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Annual fee: $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. The introductory rate will end early and increase to the APR for Purchases and Balance Transfers or to the Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply your payments to balances with lower APRs, including promotional APRs, before balances with higher APRs. We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. Offer subject to credit approval.

⁴Promotional offer expires June 30, 2023. This offer is available for qualified The Provident Bank merchant services customers who have not had a merchant services account processed by First Data Merchant Services, LLC within six months. New accounts are subject to standard credit approval and underwriting requirements. Merchant must meet the minimum annual processing volume and must be credit approved between 4/1/2023 and 6/30/2023. Account credit will be in the form of an ACH payment to the merchant’s deposit account that will be initiated within 60 days after the date the merchant’s account is activated. Merchant account must be activated within 30 days of approval. Amount of account deposit based on merchant’s annual processing volume: annual processing volume over $500,000 = $500 credit, annual processing volume $250,000 to $499,000 = $250 credit, annual processing volume from $100,000 to $249,000 = $100 credit. Only one offer per eligible business. Offer cannot be combined with any other offer. Offer subject to change without notice. Merchant Services products and services are provided by First Data Merchant Services LLC. Early termination fee apply. Terms and Conditions apply.

© 2023 Clover Network, LLC. The Clover name and logo are registered trademarks owned by Clover Network, LLC and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. 1209360 2023-2

⁵Terms, conditions, restrictions, and exclusions apply. Offer includes waiver of base fee and per check fees only during the specified period. Offer expires May 31, 2023. Promotion is only valid for new Heartland Payroll customers. ©2022 Heartland Payroll Solutions, Inc., a Global Payments company (NYSE: GPN). All rights reserved.

⁶Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Cetera is not affiliated with the financial institution where investment services are offered. Individuals affiliiated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services. 6 Jackson Street, South River, NJ 08882 (732) 847- 9362. Offer is subject to change without notice.

⁷Free Insurance consultation and quote offer from Provident Protection Plus does not expire and there are no conditions or requirements to receive a consultation and quote. Provident Protection Plus is located at 96 US Hwy 206 Augusta, New Jersey 07822-2019

* INSURANCE PRODUCTS ARE: NOT FDIC INSURED – MAY GO DOWN IN VALUE – NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY – NOT BANK GUARANTEED – NOT A DEPOSIT.

** Please refer to the raffle rules at your local Provident Bank branch or click here to view the raffle rules.