¹ Offer valid for applications submitted by 06/30/2025. To be eligible, business must be operating for at least two years and be in good financial standing. As of 04/16/2025, Prime rate was 7.50%. The promotional rate (Prime-.50%) is guaranteed for the first two (2) years of the loan, after which it will adjust to our standard variable rate in effect at the time of renewal. Automatic deduction of loan payments from a Provident Bank business checking account is required to receive promotional rate. Lines of credit are available in the amounts of $100,000 to $500,000 to receive this promotional offer. Loan proceeds must be used for business purposes only. Promotional rate is available on full fi nancial reviews

which include a comprehensive underwriting assessment. Offer is subject to credit approval. Fees and restrictions may apply. Offer may be modified or withdrawn at any time and without notice. Additional offers may be available, please contact your local branch for more details.

² 0% introductory APR for the first 18 billing cycles. After that, 16.99% to 25.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. The introductory rate does not apply to cash advances. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply payments to balances with lower APRs, including promotional APRs, before balances with higher APRs. Balance transfer fees will apply. Balance Transfer Information: Balance transfer transactions from other Elan Financial Services

accounts are not permitted. Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its affiliates as provided under the Cardmember Agreement and applicable law.

³ To qualify for the Business Money Market Promotional Annual Percentage Yield (APY) Offer, you must open and maintain a Business Money Market account by June 30, 2025. 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 six (6) months from the account opening date on your balances over $25,000. After six (6) months, 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.

⁴ Promotional offer valid through June 30, 2025. This offer is available for qualified Provident Bank merchant services customers who have not had a merchant services account processed by First Data Merchant Services LLC within the last six months. Offer is valid for one Clover Business bundle for a Clover Flex, Flex Pocket, Mini, Station Solo, or Station Duo point-of-sale hardware device purchase or 36-month or 48-month subscription. The Clover Business bundle includes a $500 rebate and a no-cost 60-day trial of the Essentials service plan. The $500 rebate will be initiated approximately 60 days after the account begins processing transactions. The Essentials Plan monthly fees will be billed after 60 days. To be eligible, the merchant must (1) purchase or subscribe to a Clover Flex, Flex Pocket, Mini, Station Solo, or Station Duo point-of-sale device; (2) be credit approved between 4/1/25 and 6/30/25; (3) sign a merchant processing agreement; (4) activate account within 30 days from approval date. Additional fees apply to certain services on activated accounts. Eligibility is at the sole discretion of First Data Merchant Services LLC. Only one offer per eligible business tax ID. Offer not valid with any other offer and is subject to change without notice.

⁵ Offer valid through 07/31/2025 and includes waiver of standard Heartland payroll processing service fees for the first three (3) months from account activation. Offer available to new payroll customers only. All accounts subject to credit approval; some restrictions and exclusions apply to all offerings. © 2025 Heartland Payroll Solutions, Inc., a Global Payments company (NYSE: GPN). All rights reserved. All trademarks and service marks contained herein are the sole and exclusive property of their respective owners. NMLS# 1799654.

⁶ Complimentary retirement plan evaluation from Provident Investment Services does not expire and there are no conditions or requirements to receive the evaluation. Provident Investment Services is a marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with Provident Bank. Advisory services may only be offered by Investment Adviser Representatives. 111 Wood Avenue South Suite 200 Iselin, NJ 08830 908-516-1684

⁷ Complimentary review of current insurance coverage 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

© 2025 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.

Merchant Services are not deposit products. Merchant services are provided by Clover Network, LLC. Provident Bank is not affiliated with Clover Network, LLC.

* INVESTMENT AND INSURANCE PRODUCTS ARE: NOT FDIC INSURED - MAY LOSE VALUE - NOT FINANCIAL INSTITUTION GUARANTEED - NOT A DEPOSIT - NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY