DEPOSIT SERVICES

• Sterling Internet Banking
• Sterling Silver Checking
• Basic Personal Checking (Lifeline)
• Senior No Fee Checking
• NOW Accounts
• Statement Savings Accounts
• Sterling Silver Money Market Accounts
• Internet Money Market Accounts
• Internet Certificates of Deposit (CD)
• IRA Products and Services
• City of New York Employee Checking
• Health Savings Accounts
• CDARS (Expanded FDIC Insurance for CD's)

CASH MANAGEMENT SERVICES

• CheckingPlus
• E-Statements
• EZ-Access Telephone Banking
• Direct Payroll Deposit
• Sterling VISA Banking Cards
• ATM Cards

OTHER PRODUCTS AND SERVICES

• Residential Mortgages
  (Provided by Sterling
  National Mortgage Co. Inc.)
• Overdraft Protection
• Professional Banking
• Personal Trust
• Investments & Insurance