UTCA AFFINITY PROGRAM 2015 COUPONS

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1 UTCA AFFINITY PROGRAM 2015 COUPONS At Provident, we re committed to helping you make the most of your money. To show our appreciation, we are providing this coupon book containing valuable money-saving offers and rewards. It s easy to save just bring these coupons to any of our more than 80 convenient branch locations. Member FDIC ProvidentNJ.com

2 REFER A FRIEND! RECEIVE $ 25 When the person you refer opens a Provident checking account. Plus, we ll give your friend a $25 cash bonus too! Original coupon must be presented. Offer available to consumer customers only. Refer to the Referral Rewards Program brochure for details. Member FDIC Pay 3 bills using ONLINE BILL PAYMENT & receive a $ 5 DEPOSIT Original coupon must be presented. Offer applies to new ProvidentConnect Online Bill Payment accounts only. Limit one complimentary deposit per customer. At least three (3) bill payments must be made within sixty (60) days of subscribing to ProvidentConnect Online Bill Payment. Bonus deposit will be made to the associated checking account within 75 days of Online Bill Payment activation. Member FDIC $5 CASH REWARD Receive a $5 bonus deposit when you use your free Provident Debit Card for a minimum of 3 signature-based POS purchases! Original coupon must be presented. The Provident Debit Card is free with Ca$h Back Checking account. Please refer to the Service Fees and Other Fees sections of the Bank s Personal Accounts and Service Fees brochure for a complete listing of Debit Card fees charged by Provident Bank. The $5 bonus deposit will be credited to your checking account after the Debit Card is used three (3) times for signature-based point-of-sale purchases during the first sixty (60) days of obtaining the debit card. Member FDIC

3 Application ID: ONE FREE OVERDRAFT Ok, so you made a mistake and overdrew on your account. Use this coupon to refund the overdraft fee! Original coupon must be presented. This coupon may be redeemed for one (1) insufficient funds, uncollected funds and/or overdraft fee refund. Offer available to consumer customers only and is limited to one (1) fee refund per calendar year, per household. Member FDIC Attention GenGold Members! EARN $ 25 DINING DOUGH RESTAURANT CERTIFICATE Original coupon must be presented. Please call GenGold at Based on availability, some restrictions apply. Award is a Dining Dough E-certificate only for active primary Gengold members; only one (1) redemption per household. This is a promotional certificate and has no cash value. Restrictions apply. For complete program details visit After 60-day trial period, membership in GenGold is $4.95 per month debited from any Provident checking account. UP TO.35% OFF the Interest Rate on any fixed-rate home equity loan or auto loan. Original coupon must be presented. Receive a 0.25% Annual Percentage Rate (APR) reduction on a Fixed-Rate Home Equity or Auto Loan when payments are automatically deducted from a Provident checking or statement savings account. Receive an additional 0.10% APR reduction with EmployeeAdvantage Program (automatic deduction from a Provident checking or Statement Savings account required to remain eligible for the additional 0.10%APR deduction). Loan APR will revert to the full note rate when and if the Provident checking or Statement Savings account is closed/automatic deductions ceases. Loans are subject to credit approval. Property and/or flood insurance may be required.

4 EARN A.25% INTEREST RATE BONUS When you open any Certificate of Deposit or Individual Retirement Account! Original coupon must be presented. Annual Percentage Yield (APY) bonus of.25% above the rate in effect at the time of account opening. Minimum opening balance for a CD/IRA is $500. APY bonus applicable and earned only during the initial term of the CD/IRA. Offer valid for new CD or IRA accounts only and cannot be combined with any other offer. Member FDIC EARN $ 20 BONUS When you open a statement savings or money market account. Original coupon must be presented. Minimum opening deposit of $50 required. Limit one (1) $20 bonus per household. The $20 bonus will be deposited to the new Statement Savings or Money Market account within sixty (60) days of opening. The bonus is considered interest and will be reported to the IRS with form 1099-MISC. Offer subject to change without notice. Not to be combined with any other offer. Accounts closed within six (6) months of opening are subject to a $20 bonus gift surcharge. Refer to Provident Bank s Personal Accounts and Service Fees brochure for additional terms and conditions. Member FDIC treat yourself to a FREE financial review! At any Provident location. Ask for details. Original coupon must be presented.

5 Application ID: $ 200 REFUND When you apply for any mortgage loan. Original coupon must be presented. A refund of $200 in the form of a credit will be applied at closing on any Provident fixed rate, adjustable rate or consumer jumbo mortgage loan. Limit one (1) refund per household. Offer subject to change at the Bank s discretion. This offer cannot be combined with any other offers. Offer is subject to credit and underwriting approval and appraisal requirements. 1 YEAR FREE SAFE DEPOSIT BOX Original coupon must be presented. Limited to safe deposit box types A through D (refer to Provident Bank s Accounts and Service Fees brochure to determine savings). Not all safe deposit box types are available at all Provident branches. Contact the nearest branch for availability. Offer available to consumer customers only and is limited to one (1) safe deposit box rental per household. This offer is not valid on a previously opened safe deposit box. Standard safe deposit rental fees will be assessed after first year s rental term expires. Member FDIC

6 BERGEN COUNTY DUMONT 21 Washington Ave. LEONIA Broad Ave. TEANECK 464 Cedar Lane ESSEX COUNTY BELLEVILLE Washington Ave. BLOOMFIELD 11 Broad St Broad St. 100 Bloomfield Ave. NEWARK 115 Ferry St. 222 Halsey St. ROSELAND 161 Eagle Rock Ave. SOUTH ORANGE 159 South Orange Ave. WEST ORANGE 464 Eagle Rock Ave. HUDSON COUNTY BAYONNE Avenue C at 20 th St. 569 Broadway at 26 th St. HOBOKEN 77 River St. JERSEY CITY 239 Washington St. 533 Bergen Ave Kennedy Blvd Kennedy Blvd. 895 Bergen Ave. 350 Communipaw Ave. KEARNY 249 Kearny Ave. UNION CITY 3720 Bergenline Ave. at 38 th St. WEST NEW YORK 5410 Bergenline Ave. at 55 th St Bergenline Ave at 62 nd St. HUDSON COUNTY (Cont) th St. (drive-up only) HUNTERDON COUNTY CLINTON Center St. FLEMINGTON 30 Route 31 MERCER COUNTY EAST WINDSOR 509 Route 130 North at Dutch Neck Rd. MIDDLESEX COUNTY DUNELLEN 333 North Ave. EAST BRUNSWICK Civic Shopping Center: 308 Rues Lane 213 Summerhill Rd. EDISON 980 Amboy Ave Oak Tree Rd. HIGHLAND PARK 301 Raritan Ave. ISELIN 1220 Green St. 100 Wood Ave. South MATAWAN 445 Route 34 & Disbrow Rd. METUCHEN 599 Middlesex Ave. MILLTOWN 97 North Main St. MONROE 225 Prospect Plains Rd. 371 Spotswood- Englishtown Rd. NORTH BRUNSWICK 2750 Route 27 OLD BRIDGE 3889 Route 516 PERTH AMBOY 339 State St. PISCATAWAY 100 Stelton Rd. MIDDLESEX COUNTY (Cont) SOUTH AMBOY 600 Washington Ave. SOUTH RIVER 6 Jackson St. WOODBRIDGE 325 Amboy Ave Woodbridge Center Dr. MONMOUTH COUNTY FREEHOLD 4331 Route 9 North at Pond Rd Route 9 South HAZLET 765 Poole Ave. MANASQUAN 205 Main St. at Route 71 MIDDLETOWN 1580 Route 35 South OCEAN GROVE 40 Main Ave. OCEAN TOWNSHIP 1502 Route 35 South WALL TOWNSHIP Tricorne Shopping Center: 2015 Route 35 South MORRIS COUNTY DENVILLE 41 Broadway DOVER/ROCKAWAY 340 Route 46 East at Sammis Ave. MADISON 98 Main St. MENDHAM 95 East Main St. MORRIS PLAINS 381 Speedwell Ave. MORRISTOWN 250 Madison Ave. 24 North Park Pl. MORRIS TOWNSHIP 166 Ridgedale Ave. MORRIS COUNTY (Cont) PARSIPPANY 401 Smith Rd. RANDOLPH 1185 Sussex Tpk. OCEAN COUNTY BRICK TOWNSHIP Laurel Square Shopping Center: 1930 Route 88 POINT PLEASANT BEACH Laurel Ave. TOMS RIVER Bellcrest Plaza: 953 Fischer Blvd. BERKELEY TOWNSHIP Holiday Plaza II: 1 Plaza Dr. PASSAIC COUNTY CLIFTON 562 Lexington Ave. SOMERSET COUNTY BRIDGEWATER 477 Union Ave. FAR HILLS 49 Route 202 GREEN BROOK 930 North Washington Ave. HILLSBOROUGH 425 Route 206 SOMERVILLE 62 West Main St. MONTGOMERY 2162 Route 206 South UNION COUNTY CLARK 1139 Raritan Rd. FANWOOD 206 South Ave. NEW PROVIDENCE 65 South St. WARREN COUNTY PHILLIPSBURG 190 Roseberry St.

7 PENNSYLVANIA BRANCH LOCATIONS BUCKS COUNTY DOYLESTOWN 18 North Main St. NEWTOWN 210 Penns Trail LEHIGH COUNTY ALLENTOWN 1901 Hamilton St West Tilghman St. NORTHAMPTON COUNTY BETHLEHEM 2151 Emrick Blvd.