Sterling Bancorp Investor Relations Material

Sterling Bancorp is a bank holding company headquartered in Southfield, Michigan. The Company operates primarily through its subsidiary, Sterling Bank and Trust, F.S.B. which operates 30 branch offices in San Francisco and Los Angeles, California; New York City; Southfield, Michigan; and the greater Seattle area. The Bank offers retail banking products and services to individuals and businesses, including checking accounts, savings accounts, money market accounts, IRAs, CDs and other depository products; loans including single family residential loans, multifamily loans, commercial real estate loans and commercial business loans; lines of credit; safe deposit boxes; ATM cards/Visa check cards; overdraft checking protection services; online banking with bill payment options; telephone customer service centers; mobile banking services; direct deposit payroll; electronic funds transfers between accounts of the same customer at the same institution (EFTs); night depositories. The Bank also offers cash management services to small businesses and medium-sized businesses.