<SEC-DOCUMENT>0001206774-16-007734.txt : 20161213
<SEC-HEADER>0001206774-16-007734.hdr.sgml : 20161213
<ACCEPTANCE-DATETIME>20161213161927
ACCESSION NUMBER:		0001206774-16-007734
CONFORMED SUBMISSION TYPE:	424B5
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20161213
DATE AS OF CHANGE:		20161213

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ConnectOne Bancorp, Inc.
		CENTRAL INDEX KEY:			0000712771
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				521273725
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B5
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-213260
		FILM NUMBER:		162049100

	BUSINESS ADDRESS:	
		STREET 1:		301 SYLVAN AVENUE
		CITY:			ENGLEWOOD CLIFFS
		STATE:			NJ
		ZIP:			07632
		BUSINESS PHONE:		2018168900

	MAIL ADDRESS:	
		STREET 1:		301 SYLVAN AVENUE
		CITY:			ENGLEWOOD CLIFFS
		STATE:			NJ
		ZIP:			07632

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CENTER BANCORP INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B5
<SEQUENCE>1
<FILENAME>connect3181681-424b5.htm
<DESCRIPTION>PROSPECTUS FILED PURSUANT TO RULE 424(B)(5)
<TEXT>
<HTML><HEAD><TITLE></TITLE></HEAD><BODY bgcolor=#ffffff>



<BR>
<P align=left><B><FONT face="Times New Roman" size=2 color=red>The information in this
preliminary prospectus supplement and the accompanying prospectus is not
complete and may be changed. This preliminary prospectus supplement and the
accompanying prospectus are not an offer to sell these securities and are not
soliciting an offer to buy these securities in any jurisdiction where the offer
or sale is not permitted. </FONT></B></P>
<P align=center><FONT face="Times New Roman" size=2 color=red>Subject to Completion, dated
December 13, 2016 </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>PRELIMINARY PROSPECTUS
SUPPLEMENT<BR>(to Prospectus dated December 9, 2016) </FONT></B></P>
<P align=right><FONT face="Times New Roman" size=2>Filed Pursuant to Rule
424(b)(5)<BR>
Registration No. 333-213260</FONT></P>
<P align=center><IMG src="connect3181681-424b51x1x1.jpg" border=0></P>
<P align=center><B><FONT face="Times New Roman" size=4>$35,000,000
</FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=4>ConnectOne Bancorp, Inc.
</FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=2>Common Stock
<BR></FONT></B><FONT face="Times New Roman" size=2>________________________________________</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are offering to sell ______
shares of our common stock, no par value per share. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our common stock is listed on
the NASDAQ Global Select Market under the symbol "CNOB." On December ___, 2016,
the last reported sale price of our common stock on the NASDAQ Global Select
Market was $____ per share. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>The common stock is not a
savings account, deposit or other obligation of our bank or non-bank
subsidiaries and is not insured or guaranteed by the Federal Deposit Insurance
Corporation, or the FDIC, or any other government agency. </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>Investing in our common
stock involves risks. See "Risk Factors" beginning on page S-4 of this
prospectus supplement, as well as those risk factors contained in our reports
filed with the Securities and Exchange Commission, or the SEC, that are
incorporated or deemed to be incorporated by reference herein, to read about
other risk factors you should consider before buying shares of our common stock.
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>None of the SEC, any state
securities commission, the Federal Reserve, the FDIC or any other regulatory
body has approved or disapproved of these securities or passed upon the accuracy
or adequacy of this prospectus supplement or the accompanying prospectus. Any
representation to the contrary is a criminal offense. </FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Per
    Share</FONT></B></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B><B><FONT face="Times New Roman" size=2><SUP>(1)</SUP></FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Public offering price</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>Underwriting discount and commissions</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Proceeds, before offering expenses, to us</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR></TABLE><FONT size=2 face="Times New Roman">____________________</FONT><BR><BR>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="Times New Roman" size=2>(1) Assumes no exercise of the
underwriters' option to purchase additional shares of common stock described
below. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have granted the
underwriters an option to purchase up to an additional ______ shares of our
common stock within 30 days after the date of this prospectus supplement at the
public offering price less the underwriting discount. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The underwriters expect to
deliver the shares of common stock to purchasers against payment therefor, in
New York, New York on or about December &nbsp;&nbsp;&nbsp;&nbsp;, 2016. </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>__________________________ </FONT></B></P>
<P align=center><FONT face="Times New Roman" size=2><STRONG><EM>Joint
Book-Running Managers</EM></STRONG></FONT><FONT face="Times New Roman" size=2>
</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="TEXT-ALIGN: center" noWrap align=right width="40%">
      <P align=right><B><FONT face="Times New Roman" size=4>Keefe, Bruyette
      &amp; Woods</FONT></B></P></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="59%"><B><FONT face="Times New Roman" size=4>Raymond James</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="TEXT-ALIGN: center" noWrap align=right width="40%">
      <P align=right><I><FONT face="Times New Roman" size=4>A Stifel
      Company</FONT></I></P></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="59%"></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2><STRONG>_____________________________________</STRONG></FONT></P>
<P align=center><FONT face="Times New Roman" size=2>The date of this prospectus
supplement is
December&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
, 2016.</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>TABLE OF CONTENTS
</FONT></B></P>
<P align=left><B><FONT face="Times New Roman" size=2>PROSPECTUS SUPPLEMENT
</FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>Page</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>About this Prospectus
      Supplement</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>S-ii</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>Special Note Regarding Forward-Looking
    Statements</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>S-iii</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Prospectus Supplement
      Summary</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>S-1</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>Summary of the Offering</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>S-3</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Risk
      Factors</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>S-4</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>Use of Proceeds</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>S-6</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Dividend
      Policy</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>S-6</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>Capitalization</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>S-6</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Underwriting</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>S-7</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>Validity of Securities</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>S-9</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Experts</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>S-9</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>Incorporation of Certain Documents by Reference</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>S-10</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Where You Can Find
      More Information</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>S-10</FONT></B></TD></TR>
  <TR>
    <TD width="100%" bgColor=#c0c0c0 colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>PROSPECTUS</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR>
    <TD width="100%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Prospectus
      Summary</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>1</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>Special Note Regarding Forward-Looking
    Statements</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>3</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Risk
      Factors</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>3</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>Use of Proceeds</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>3</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Descriptions of
      Securities We May Offer</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>3</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Description of Common Stock</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>4</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Description of
      Preferred Stock</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>5</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Description of Warrants</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>7</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Description of Debt
      Securities</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>8</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Description of Depositary Shares</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>17</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Description of
      Units</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>19</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>Plan of Distribution</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>19</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Incorporation of
      Certain Documents by Reference</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>23</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>Legal Matters</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>23</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Experts</FONT></B></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>23</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="100%"><B><FONT face="Times New Roman" size=2>Where You Can Find More Information</FONT></B></TD>
    <TD noWrap align=right width="1%"><B><FONT face="Times New Roman" size=2>24</FONT></B></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>S-i</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>ABOUT THIS PROSPECTUS
SUPPLEMENT </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This document is in two parts.
The first part is this prospectus supplement, which describes the specific terms
of this offering and also supplements and, in certain cases, updates information
contained in the accompanying prospectus and the documents incorporated by
reference in this prospectus supplement and the accompanying prospectus. The
second part, the accompanying prospectus, provides more general information,
some of which may not apply to this offering. You should read both this
prospectus supplement and the accompanying prospectus, as well as the
information in the documents to which we have referred you in the sections
entitled "Incorporation of Certain Documents by Reference" and "Where You Can
Find More Information" in this prospectus supplement. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If the information set forth
in this prospectus supplement differs from the information set forth in the
accompanying prospectus, you should rely on the information set forth in this
prospectus supplement. Similarly, if the information set forth in this
prospectus supplement differs from the information contained in any document
incorporated by reference that was filed prior to the date of this prospectus
supplement, you should rely on the information set forth in this prospectus
supplement. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>You should not consider any
information in this prospectus supplement or the accompanying prospectus to be
investment, legal or tax advice. You should consult your own counsel, accountant
and other advisors for legal, tax, business, financial and related advice
regarding the purchase of shares of our common stock. We are not making any
representation to you regarding the legality of an investment in the shares of
our common stock by you under applicable investment or similar laws. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>You should rely only on the
information contained in or incorporated by reference in this prospectus
supplement, the accompanying prospectus and any free writing prospectus filed by
us with the SEC. This prospectus supplement may be used only for the purpose for
which it has been prepared. No one is authorized to give information other than
that contained in this prospectus supplement, the accompanying prospectus or any
free writing prospectus filed by us with the SEC and the documents referred to
in this prospectus supplement and which are made available to the public. We
have not, and the underwriters have not, authorized any other person to provide
you with different information. If anyone provides you with different or
inconsistent information, you should not rely on it. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are not, and the
underwriters are not, making an offer to sell these securities in any
jurisdiction where the offer or sale is not permitted. You should not assume
that the information appearing in this prospectus supplement, the accompanying
prospectus or any free writing prospectus filed by us with the SEC or any
document incorporated by reference is accurate as of any date other than the
date of the applicable document. Our business, financial condition, results of
operations and prospects may have changed since that date. Neither this
prospectus supplement nor the accompanying prospectus constitutes an offer, or
an invitation on our behalf or on behalf of the underwriters, to subscribe for
and purchase, any of the securities and may not be used for or in connection
with an offer or solicitation by anyone, in any jurisdiction in which such an
offer or solicitation is not authorized or to any person to whom it is unlawful
to make such an offer or solicitation. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>All references in this
prospectus supplement and the accompanying prospectus to "ConnectOne Bancorp,"
"ConnectOne," the "company," "we," "us," "our," or similar references refer to
ConnectOne Bancorp, Inc. and its subsidiaries on a consolidated basis, except
where the context otherwise requires or as otherwise indicated. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-ii</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>SPECIAL NOTE REGARDING
FORWARD-LOOKING STATEMENTS </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus supplement,
the accompanying prospectus and the documents incorporated by reference herein
and therein contain forward-looking information within the meaning of the safe
harbor provisions of the U.S. Private Securities Litigation Reform Act of 1995.
These statements relate to future events or future predictions, including events
or predictions relating to future financial performance, and are generally
identifiable by the use of forward-looking terminology such as "believe,"
"expect," "may," "will," "should," "plan," "intend," or "anticipate" or the
negative thereof or comparable terminology. These forward-looking statements are
only predictions and estimates regarding future events and circumstances and
involve known and unknown risks, uncertainties and other factors, including the
risks described under "Risk Factors" in this prospectus supplement, the
accompanying prospectus and our Annual Report on Form 10-K for the year ended
December 31, 2015, which is incorporated by reference herein, as such factors
may be updated from time to time in our filings with the SEC, that may cause
actual results, levels of activity, performance or achievements to be materially
different from any future results, levels of activity, performance or
achievements expressed or implied by such forward-looking statements. This
information is based upon various assumptions that may not prove to be correct.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In addition to the risks
described under "Risk Factors" in this prospectus supplement, the accompanying
prospectus and the reports we file with the SEC under the Securities Exchange
Act of 1934, as amended (the &#147;Exchange Act&#148;), important factors to consider and
evaluate with respect to such forward-looking statements include: </FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: Left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">changes in external competitive market factors that might
      impact our results of operations;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">changes in laws and regulations, including, without
      limitation, changes in capital requirements under Basel III;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">changes in our business strategy or an inability to
      execute our strategy due to the occurrence of unanticipated events;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">our ability to identify potential candidates for, and
      consummate, acquisition or investment transactions;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">local, regional and national economic conditions and
      events and the impact they may have on us and our customers;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">costs and effects of regulatory and legal developments,
      including the results of regulatory examinations and the outcome of
      regulatory or other governmental inquiries and proceedings, such as fines
      or restrictions on our business activities; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">our ability to attract deposits and other sources of
      liquidity;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">changes in the financial performance and/or the condition
      of our borrowers;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">changes in the level of non-performing and classified and
      criticized assets and charge-offs;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">changes in estimates of future loan loss reserve
      requirements based upon the periodic review thereof under relevant
      regulatory and accounting requirements;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">inflation, interest rate, securities market and monetary
      fluctuations;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">timely development and acceptance of new banking products
      and services and perceived overall value of these products and services by
      users;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">changes in consumer spending, borrowing and saving
    habits;</TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>S-iii</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">technological changes;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">our ability to increase market share and
      control expenses;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">continued volatility in the credit and equity
      markets and its effect on the general economy;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">effects of changes in accounting policies and
      practices, as may be adopted by the regulatory agencies, as well as the
      Public Company Accounting Oversight Board, the Financial Accounting
      Standards Board and other accounting standard setters;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">our ability to fully remediate certain
      deficiencies and weaknesses we have identified in our disclosure controls,
      processes and procedures, as well as our internal control over financial
      reporting, and to maintain such systems;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">our ability to successfully implement our
      growth strategy, control expenses and maintain liquidity; and</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">ConnectOne Bank's ability to pay dividends to
      ConnectOne Bancorp.</TD></TR></TABLE>

<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>You are cautioned not to place undue reliance on
these forward-looking statements, which speak only as of the date hereof, or, in
the case of other documents referred to herein, the dates of those documents. We
do not undertake any obligation to release publicly or otherwise provide any
revisions to these forward-looking statements to reflect events or circumstances
occurring after the date hereof or to reflect the occurrence of unanticipated
events, except as may be required under applicable law. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-iv</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>PROSPECTUS SUPPLEMENT
SUMMARY </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>This summary highlights
information contained elsewhere in this prospectus supplement and the
accompanying prospectus and in the documents we incorporate by reference. This
summary does not contain all of the information that you should consider before
deciding to invest in our common stock. You should read this entire prospectus
supplement and the accompanying prospectus carefully, including the "Risk
Factors" sections contained in this prospectus supplement and in the
accompanying prospectus and our Annual Report on Form 10-K for the year ended
December 31, 2015,which is incorporated by reference herein, and our financial
statements and the related notes and the other documents incorporated by
reference herein, which are described under the heading "Incorporation of
Certain Documents by Reference" in this prospectus supplement. </FONT></I></P>
<P align=center><B><FONT face="Times New Roman" size=2>ConnectOne Bancorp, Inc.
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>ConnectOne Bancorp, Inc., (the
&#147;Company&#148; and with ConnectOne Bank, &#147;we&#148; or &#147;us&#148;) a one-bank holding company,
was incorporated in the state of New Jersey on November 12, 1982 as Center
Bancorp, Inc. and commenced operations on May 1, 1983 upon the acquisition of
all outstanding shares of capital stock of Union Center National Bank, its then
principal subsidiary.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>On January 20, 2014, the
Company entered into an Agreement and Plan of Merger (the &#147;Merger Agreement&#148;) with ConnectOne
Bancorp, Inc., a New Jersey corporation (&#147;Legacy ConnectOne&#148;). Effective July 1,
2014, the Company completed the merger contemplated by the Merger Agreement (the
&#147;Merger&#148;) with Legacy ConnectOne merging with and into the Company, with the
Company as the surviving corporation. Also at closing, the Company changed its
name to &#147;ConnectOne Bancorp, Inc.&#148; and changed its NASDAQ trading symbol to
&#147;CNOB.&#148; Immediately following the consummation of the Merger, Union Center
National Bank merged with and into ConnectOne Bank, a New Jersey-chartered
commercial bank (&#147;ConnectOne Bank&#148; or the &#147;Bank&#148;) and a wholly-owned subsidiary
of Legacy ConnectOne, with ConnectOne Bank continuing as the surviving bank.
Subject to the terms and conditions of the Merger Agreement, each share of
common stock, no par value per share, of Legacy ConnectOne was converted into
2.6 shares of the Company&#146;s common stock.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The Bank offers a broad range
of deposit and loan products and services to the general public and, in
particular, to small and mid-sized businesses, local professionals and
individuals residing, working and conducting business in our trade
area.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>While we expect the bulk of
our future growth to be organic, we continue to take an opportunistic approach
to acquisitions, considering opportunities to purchase whole institutions,
branches or lines of business that complement our existing business. While we
may open new offices in the counties contained in our broader trade area
discussed below, we do not believe that we need to establish a physical location
in each market that we serve. We believe that advances in technology have
created new delivery channels which allow us to service customers and maintain
business relationships without a physical presence, and that these customers can
also be serviced through a regional office. We believe the key to customer
acquisition and retention is establishing quality teams of lenders and business
relationship officers who will frequently go to the customer, rather than having
the customer come into the branch.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We emphasize superior customer
service and relationship banking. The Bank offers high-quality service by
minimizing personnel turnover and by providing more direct, personal attention
than we believe is offered by competing financial institutions, the majority of
which are branch offices of banks headquartered outside our primary trade area.
By emphasizing the need for a professional, responsive and knowledgeable staff,
we offer a superior level of service to our customers. As a result of senior
management&#146;s availability for consultation, we believe we offer customers a
quicker response on loan applications and other banking transactions than
competitors, whose decisions may be made in distant headquarters. We believe
that this response time results in a pricing advantage to us, in that we
frequently may exceed competitors&#146; loan pricing and still win customers. We also
provide state-of-the-art banking technology, including remote deposit capture,
internet banking and mobile banking, to provide our customers with the most
choices and maximum flexibility. We believe that this combination of quick,
responsive and personal service and advanced technology provides the Bank&#146;s
customers with a superior banking experience.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-1</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The Bank operates seven
banking offices in Bergen County, New Jersey, consisting of one office each in
Englewood Cliffs, Englewood, Cresskill, Fort Lee, Hackensack, Ridgewood and
Saddle River; seven banking offices in Union County, New Jersey, consisting of
four offices in Union Township, and one office each in Springfield Township,
Berkeley Heights, and Summit; three banking offices in Morris County, New
Jersey, consisting of one office each in Boonton, Madison and Morristown; one
office in Newark in Essex County, New Jersey; one office in West New York in
Hudson County, New Jersey; one office in Princeton in Mercer County, New Jersey,
and one office in Holmdel in Monmouth County, New Jersey. The Bank also operates
a branch office in the borough of Manhattan in New York City. The Bank&#146;s
principal office is located at 301 Sylvan Avenue, Englewood Cliffs, New Jersey.
The principal office is a three-story leased building constructed in
2008.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>As of September 30, 2016, we
had total consolidated assets of $4.33 billion, total deposits of $3.27 billion
and total stockholders' equity of $499.59 million.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are subject to examination
by the Federal Reserve Board. The Bank is a state chartered commercial bank
subject to supervision and examination by the Federal Deposit Insurance
Corporation (the &#147;FDIC&#148;) and the New Jersey Department of Banking and Insurance
(&#147;DOBI&#148;). Regulations of the FDIC, and the DOBI govern most aspects of the
Bank&#146;s business, including reserves against deposits, loans, investments,
mergers and acquisitions, borrowings, dividends and location of branch
offices.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our principal executive
offices are located at 301 Sylvan Avenue, Englewood Cliffs, New Jersey 07632,
and our telephone number is (201) 816-8900. Our Internet address is
www.cnob.com. Please note that our website is provided as an inactive textual
reference and the information on our website is not incorporated by reference in
this prospectus.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-2</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>Summary of the Offering
</FONT></B></P>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=bottom noWrap align=left width="37%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Issuer</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD align=left width="61%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>ConnectOne Bancorp, Inc.</FONT></TD></TR>
  <TR>
    <TD vAlign=bottom noWrap align=left width="37%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD align=left width="61%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD NOWRAP WIDTH="37%" STYLE="text-align: left; vertical-align: top"><FONT face="Times New Roman" size=2>Securities Offered</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" ></TD>
    <TD align=left width="61%"><FONT face="Times New Roman" size=2>___________
      shares of our common stock, no par value per share (or&nbsp;_____ shares
      if the underwriters exercise their option to purchase additional shares in
      full).</FONT></TD></TR>
  <TR>
    <TD vAlign=bottom noWrap align=left width="37%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%" ></TD>
    <TD align=left width="61%">&nbsp;</TD></TR>
  <TR>
    <TD NOWRAP WIDTH="37%" BGCOLOR="#c0c0c0" STYLE="text-align: left; vertical-align: top"><FONT face="Times New Roman" size=2>Common Stock to be outstanding after this
      offering</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD align=left width="61%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>___________ shares (or&nbsp;___________ shares if the underwriters
      exercise their option to purchase additional shares in full).</FONT></TD></TR>
  <TR>
    <TD vAlign=bottom noWrap align=left width="37%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD align=left width="61%" bgColor=#c0c0c0>&nbsp;</TD></TR>
  <TR>
    <TD NOWRAP WIDTH="37%" STYLE="text-align: left; vertical-align: top"><FONT face="Times New Roman" size=2>Use of Proceeds</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" ></TD>
    <TD align=left width="61%"><FONT face="Times New Roman" size=2>We expect
      to receive net proceeds from this offering of approximately $&nbsp;&nbsp;&nbsp;&nbsp;(or
      approximately $&nbsp;&nbsp;&nbsp;&nbsp;if the underwriters exercise their option to purchase
      additional shares in full), after deducting the underwriting discount and
      estimated offering expenses payable by us. We expect to use the net
      proceeds for general corporate purposes, which will include working
      capital to support additional opportunities for organic growth at ConnectOne Bank. Accordingly, we will
      retain broad discretion over the use of the net proceeds. See "Use of
      Proceeds" in this prospectus supplement.</FONT></TD></TR>
  <TR>
    <TD vAlign=bottom noWrap align=left width="37%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%" ></TD>
    <TD align=left width="61%">&nbsp;</TD></TR>
  <TR>
    <TD NOWRAP WIDTH="37%" BGCOLOR="#c0c0c0" STYLE="text-align: left; vertical-align: top"><FONT face="Times New Roman" size=2>Dividend Policy</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD align=left width="61%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>We currently pay a quarterly cash dividend of $0.075 per share.
      Although we expect to continue paying dividends quarterly, any future
      determination to pay dividends on our common stock will be made by our
      board of directors and will depend upon our results of operations,
      financial condition, capital requirements, regulatory and contractual
      restrictions, our business strategy and other factors that our board of
      directors deems relevant.</FONT></TD></TR>
  <TR>
    <TD vAlign=bottom noWrap align=left width="37%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD align=left width="61%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD vAlign=bottom noWrap align=left width="37%"><FONT face="Times New Roman" size=2>NASDAQ Global Select Market Symbol</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" ></TD>
    <TD align=left width="61%"><FONT face="Times New Roman" size=2>CNOB</FONT></TD></TR>
  <TR>
    <TD vAlign=bottom noWrap align=left width="37%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%" ></TD>
    <TD align=left width="61%">&nbsp;</TD></TR>
  <TR>
    <TD NOWRAP WIDTH="37%" BGCOLOR="#c0c0c0" STYLE="text-align: left; vertical-align: top"><FONT face="Times New Roman" size=2>Risk Factors</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD align=left width="61%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>See "Risk Factors" beginning on page S-4 of this prospectus
      supplement, as well as in our reports filed with the SEC, and other
      information included or incorporated by reference in this prospectus
      supplement and the accompanying prospectus for a discussion of factors you
      should consider carefully before deciding to invest in our common
      stock.</FONT></TD></TR>
  <TR>
    <TD vAlign=bottom noWrap align=left width="37%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD align=left width="61%" bgColor=#c0c0c0>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=bottom noWrap align=left width="37%"><FONT face="Times New Roman" size=2>Transfer Agent &amp; Registrar</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" ></TD>
    <TD align=left width="61%"><FONT face="Times New Roman" size=2>Broadridge
      Corporate Issuer Solutions.</FONT></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Unless otherwise indicated,
all information in this prospectus supplement assumes no exercise of the
underwriters' option to purchase additional shares of common stock. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-3</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>RISK FACTORS
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>An investment in common
stock involves substantial risks. In consultation with your own advisers, you
should carefully consider, among other matters, the factors set forth below and
in the accompanying prospectus as well as the other information included or
incorporated by reference in this prospectus supplement and the accompanying
prospectus before deciding whether an investment in our common stock is suitable
for you. In particular, you should carefully consider, among other things, the
factors described under the caption "Risk Factors" in our Annual Report on Form
10-K for the year ended December 31, 2015 which is incorporated herein by
reference, and any reports we file with the SEC in the future, which may amend,
supplement or supersede those factors. If any of the risks contained in or
incorporated by reference into this prospectus supplement or the accompanying
prospectus develop into actual events, our business, financial condition,
liquidity, results of operations and prospects could be materially and adversely
affected, the market price of the common stock could decline and you may lose
all or part of your investment. Some statements in this prospectus supplement,
including statements in the following risk factors, constitute forward-looking
statements. See the "Special Note Regarding Forward-Looking Statements" sections
in this prospectus supplement and in the accompanying prospectus.
</FONT></I></P>
<P ALIGN="LEFT"><B><FONT face="Times New Roman" size=2>We have broad discretion in
using the net proceeds from this offering and may use the proceeds in ways with
which you may not agree and in ways that may not enhance our operating results
or the value of our common stock. </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our management will retain
broad discretion over the net proceeds we receive from this offering, and we may
ultimately use the proceeds in ways that do not improve our results of
operations or enhance the value of our common stock or otherwise in ways with
which you do not agree. If we do not invest or apply the proceeds of this
offering effectively and on a timely basis, it could have a material adverse
effect on our business and could cause the market price of our common stock to
decline. </FONT></P>
<P ALIGN="LEFT"><B><FONT face="Times New Roman" size=2>We may issue additional
shares of common stock, preferred stock or other equity, debt or derivative
securities in the future, which could adversely affect the value or voting power
of your shares of common stock. </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are generally able to offer
shares of our common stock or preferred stock by action of our board of
directors without further shareholder approval. In addition, our board of
directors has authority to issue senior and subordinated debt without further
shareholder approval. These securities may be issued in a variety of
circumstances and for a variety of purposes, for cash, services or as full or
partial consideration in connection with acquisitions of assets or businesses.
Future issuances may result in the dilution of the value and/or voting power of
the shares of our common stock you purchase in this offering, and could cause
the market price of our common stock to decline. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>General market conditions
and unpredictable factors could adversely affect market prices for the common
stock. </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>There can be no assurance
about the market prices for the common stock. A variety of factors, many of
which are beyond our control, could influence the market price of the common
stock, including: </FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: Left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">our operating performance, financial condition and
      prospects, or the operating performance financial condition and prospects
      of our competitors;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">our issuance of additional equity securities;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">developments in the securities, credit and housing
      markets, and developments with respect to financial institutions
      generally; and</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">economic, financial, corporate, securities market,
      geopolitical, regulatory or judicial events that affect us, the banking
      industry or the financial markets generally.</TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>S-4</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Accordingly, the shares of our
common stock that an investor purchases, whether in this offering or in the
secondary market, may trade at prices less than the investor paid for such
shares, and their value may fluctuate significantly. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>We are a bank holding
company and depend on our subsidiaries for dividends, distributions and other
payments. </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The Company is a legal entity
separate and distinct from our banking and other subsidiaries. Our principal
source of cash flow, including cash flow to pay dividends to our shareholders
and to pay principal of and interest on our outstanding debt, is dividends from
the Bank. Various federal and state statutes, regulations and rules limit,
directly or indirectly, the amount of dividends that our banking and other
subsidiaries may pay to us without regulatory approval. In particular, dividend
and other distributions from the Bank to us could require notice to or approval
of the applicable regulatory authority in certain circumstances. There can be no
assurances that we would receive such approval, if it were required. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In addition, the Federal
Reserve and the FDIC have the authority to prohibit or to limit the payment of
dividends by a banking organization under its jurisdiction if, in the
regulator's opinion, the organization is engaged in or is about to engage in an
unsafe or unsound practice. Depending on the financial condition of the Bank, we
may be deemed to be engaged in an unsafe or unsound practice if the Bank were to
pay dividends. Federal Reserve policy generally requires insured banks only pay
dividends out of current operating earnings. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Payment of dividends could
also be subject to regulatory limitations if the Bank became "under-capitalized"
for purposes of the "prompt corrective action" regulations of the federal bank
regulatory agencies. See "Item 1, Business&#151;Supervision and Regulation" in Part I
of our Annual Report on Form 10-K for the year ended December 31, 2015 for more
information relating to federal and state regulations and rules that may limit
the payment of dividends. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>No assurances can be given
that the Bank will, in any circumstances, pay dividends to us. If the Bank fails
to make dividend payments to us, and sufficient cash or liquidity is not
otherwise available, we may not be able to make principal and interest payments
on our outstanding debt or dividend payments on our common stock. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>An investment in our common
stock is not an FDIC insured deposit. </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The shares of our common stock
are not savings accounts, deposits or other obligations of any of our bank or
non-bank subsidiaries and are not insured or guaranteed by the FDIC or any other
governmental agency or instrumentality. Your investment will be subject to
investment risk and you may experience loss with respect to your investment
</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-5</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>USE OF PROCEEDS
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We estimate that net proceeds
to us from the sale of the common stock in this offering will be approximately $&nbsp;&nbsp;&nbsp;&nbsp;
, or approximately $ &nbsp;&nbsp;&nbsp;&nbsp;if the underwriters exercise their option to purchase
additional shares of common stock from us in full, after deducting underwriting
discounts and commissions and estimated offering expenses payable by us.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We expect to use the net
proceeds for general corporate purposes, which will include providing working
capital to support additional opportunities for organic growth at ConnectOne Bank. We have not identified the
amounts we will spend on any specific purpose. Accordingly, we will retain broad
discretion over the use of the net proceeds. </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>DIVIDEND POLICY
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We currently pay a quarterly
cash dividend of $0.075 per share. Although we expect to continue paying
dividends quarterly, any future determination to pay dividends on our common
stock will be made by our board of directors and will depend upon our results of
operations, financial condition, capital requirements, regulatory and
contractual restrictions, our business strategy and other factors that our board
of directors deems relevant.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>CAPITALIZATION
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following table sets forth
our capitalization as of September 30, 2016 (i) on an actual basis, and (ii) on
a pro forma as adjusted basis to give effect to the issuance of the common stock
in this offering at a public offering price of $ &nbsp;&nbsp;&nbsp;&nbsp;per share and the application
of the net proceeds as described in "Use of Proceeds." You should read this
table in conjunction with "Management's Discussion and Analysis of Financial
Condition and Results of Operations" and our consolidated financial statements
and related notes to those statements, incorporated by reference into this
prospectus supplement and the accompanying prospectus. </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="11%" colSpan=6><B><FONT face="Times New Roman" size=2>As of
      Septe</FONT></B><B><FONT face="Times New Roman" size=2>mbe</FONT></B><B><FONT face="Times New Roman" size=2>r</FONT></B>
      <B><FONT face="Times New Roman" size=2>30, 2016</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%">&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" noWrap width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Actual</FONT></B></TD>
    <TD noWrap align=left width="2%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>As
  Adjusted</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Cash and cash equivalents</FONT></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>233,794<FONT face="Times New Roman"></FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD align=left width="87%"><FONT face="Times New Roman" size=2>Shareholders' equity:</FONT></TD>
    <TD noWrap align=right width="2%"></TD>
    <TD noWrap align=right width="2%"></TD>
    <TD noWrap align=right width="2%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="2%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="PADDING-LEFT: 30pt; TEXT-INDENT: -15pt" align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Common stock, no par
      value, authorized 50,000,000 shares; issued 32,261,240 shares at September
      30, 2016 and 32,149,585 at December 31, 2015; outstanding 30,197,318
      shares at September 30, 2016 and 30,085,663&nbsp; at December 31,
      2015</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>374,287</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Additional paid-in
      capital</FONT></TD>
    <TD noWrap align=right width="2%"></TD>
    <TD noWrap align=right width="2%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>10,409</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="2%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Retained earnings</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>130,885</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Treasury stock, at cost
      (2,063,922 common shares at</FONT></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="2%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="2%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      September 30, 2016 and December 31, 2015)</FONT></TD>
    <TD noWrap align=right width="2%"></TD>
    <TD noWrap align=right width="2%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>(16,717</FONT></TD>
    <TD noWrap align=left width="1%"><FONT size=2>)</FONT></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="2%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Accumulated other comprehensive income</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>724</FONT></TD>
    <TD style="WIDTH: 1%; BORDER-BOTTOM: black 1pt solid; BACKGROUND-COLOR: #c0c0c0; TEXT-ALIGN: left" noWrap width="1%"></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total stockholders'
      equity</FONT></TD>
    <TD noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>499,588</FONT></TD>
    <TD style="WIDTH: 1%; BORDER-BOTTOM: black 2pt double; TEXT-ALIGN: left" noWrap width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="2%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="2%"></TD></TR>
  <TR>
    <TD width="93%" colSpan=4>&nbsp;</TD>
    <TD align=left width="1%"></TD>
    <TD width="2%"></TD>
    <TD width="2%"></TD>
    <TD width="2%"></TD></TR>

  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Regulatory capital ratios:</FONT></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tier 1
      common equity ratio</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9.25</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2>%</FONT></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="2%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tier 1 capital ratio</FONT></TD>
    <TD noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>9.38</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT size=2>%</FONT></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="2%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total
      risk-based capital ratio</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11.69</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2>%</FONT></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="2%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Tier 1 leverage
ratio</FONT></TD>
    <TD noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>8.49</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT size=2>%</FONT></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="2%"></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>S-6</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>UNDERWRITING</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have entered into an
underwriting agreement with Keefe, Bruyette &amp; Woods, Inc., or KBW, acting as
representative for the several underwriters, with respect to the shares of
common stock subject to this offering. Subject to the terms and conditions in
the underwriting agreement, we have agreed to sell to the underwriters, and each
underwriter severally has agreed to purchase from us the respective number of
shares of common stock as set forth below:</FONT></P>
<DIV align=center>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="90%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"><FONT face="Times New Roman" size=2>Underwriter</FONT></TD>
    <TD noWrap align=left width="96%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"><FONT face="Times New Roman" size=2>Number of
      Shares</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>Keefe, Bruyette &amp; Woods,
      Inc.</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" colSpan=2><FONT face="Times New Roman" size=2>Raymond James &amp; Associates, Inc.</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="98%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD></TR></TABLE></DIV><BR>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have granted the
underwriters an option exercisable during the 30-day period after the date of
this prospectus supplement to purchase, at the public offering price less
underwriting discounts and commissions, up to an additional ______ shares of
common stock for the purpose of covering over-allotments, if any.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The underwriting agreement
provides that the obligation of the underwriters to purchase all of the shares
of common stock being offered to the public is subject to approval of legal
matters by counsel and the satisfaction of other conditions. These conditions
include, among others, the continued accuracy of representations and warranties
made by us in the underwriting agreement, delivery of legal opinions and the
absence of any material changes in our assets, business or prospects after the
date of this prospectus supplement. The underwriters are obligated to purchase
all of our shares in this offering if they purchase any of our
shares.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The underwriters have advised
us that they propose to offer the common stock directly to the public at the
public offering prices listed on the cover page of this prospectus supplement
and to selected dealers, who may include the underwriters, at the public
offering price less a selling concession not in excess of $ &nbsp;&nbsp;&nbsp;&nbsp;per share of common
stock. After the completion of the offering, the underwriters may change the
offering price and other selling terms.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Pursuant to the underwriting
agreement, we have agreed to indemnify the underwriters against certain
liabilities, including liabilities under the Securities Act, or to contribute to
payments which the underwriters or other indemnified parties may be required to
make in respect of any such liabilities.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Commissions and
Expenses</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following table provides
information regarding the amount of the underwriting discounts and commissions
to be paid to the underwriters.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Per
    Share</FONT></B></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Underwriting discount paid by us</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>Proceeds, before expenses, to us</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%"></TD></TR></TABLE><BR>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The common stock is listed on
the NASDAQ Global Select Market under the symbol "CNOB." We estimate that the
total expenses of this offering, including registration, filing and listing
fees, printing fees and legal and accounting expenses, but excluding
underwriting discounts, commissions and reimbursements, will be approximately
$______.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have agreed with KBW that
for a period of 90 days following the date of this prospectus supplement, we may
not, subject to certain exceptions, offer, sell, pledge or otherwise dispose of
any shares of our common stock, without the prior written consent of
KBW.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-7</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Stabilization
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Until the distribution of the
securities offered by this prospectus supplement is completed, rules of the SEC
may limit the ability of the underwriters to bid for and to purchase the common
stock. As an exception to these rules, the underwriters may engage in
transactions effected in accordance with Regulation M under the Exchange Act
that are intended to stabilize, maintain or otherwise affect the price of the
common stock. The underwriters may engage in over-allotment sales, syndicate
covering transactions, stabilizing transactions and penalty bids in accordance
with Regulation M. </FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: Left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Stabilizing transactions permit bids or purchases for the
      purpose of pegging, fixing or maintaining the price of the common stock,
      so long as stabilizing bids do not exceed a specified maximum.</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Over-allotment involves sales by the underwriters of
      securities in excess of the number of securities the underwriters are
      obligated to purchase, which creates a short position. KBW may close out
      any short position by purchasing shares of the common stock in the open
      market. </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Covering transactions involve the purchase of securities
      in the open market after the distribution has been completed in order to
      cover short positions. In determining the source of securities to close
      out the short position, the underwriters will consider, among other
      things, the price of securities available for purchase in the open
    market.</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Penalty bids permit the underwriters to reclaim a selling
      concession from a selected dealer when the securities originally sold by
      the selected dealer are purchased in a stabilizing or syndicate covering
      transaction.</TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>These stabilizing
transactions, covering transactions and penalty bids may have the effect of
raising or maintaining the market price of our securities or preventing or
retarding a decline in the market price of the common stock. As a result, the
price of our securities may be higher than the price that might otherwise exist
in the open market. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Neither we nor the
underwriters make any representation or prediction as to the effect that the
transactions described above may have on the prices of our securities. These
transactions may occur on any trading market. If any of these transactions are
commenced, they may be discontinued without notice at any time. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Lock-Up Agreements
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We and our current directors
and executive officers have agreed, subject to specified exceptions, that,
without the prior written consent of KBW, we will not, during the period ending
90 days after the date of this prospectus supplement: </FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">offer, pledge, sell, solicit offers to
      purchase, contract to sell, sell any option or contract to purchase,
      purchase any option or contract to sell, grant any option, right or
      warrant for the sale of, lend or otherwise dispose of or transfer,
      directly or indirectly, any equity securities of the company, or any
      securities convertible into or exercisable or exchangeable for equity
      securities of the Company, except in limited circumstances necessary to
      comply with tax obligations related to existing equity grants; or</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">enter into any swap or other arrangement that
      transfers to another, in whole or in part, directly or indirectly, any of
      the economic consequences of ownership of equity securities of the
      company, whether any such transaction described above is to be settled by
      delivery of common stock of the company or such other securities, in cash
      or otherwise.</TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>These restrictions terminate
after the close of trading of the common stock on and including the 90th day
after the date of this prospectus supplement. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>KBW does not intend to release
any portion of the common stock subject to the foregoing lock-up agreements.
However, KBW, in its sole discretion, may release any of the common stock from
the lock-up agreements prior to
expiration of the 90-day period without notice. In considering a request to
release shares from a lock-up agreement, KBW will consider a number of factors,
including the effect that such a release would have on this offering and the
market for our common stock and the equitable considerations underlying the
request for releases.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-8</FONT></P>
<HR align=center width="100%" noShade SIZE=2>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>


<BR>

<P align=left><B><FONT face="Times New Roman" size=2>Electronic Prospectus
Supplement </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus supplement
may be made available in electronic format on Internet sites or through other
online services maintained by the underwriters or their respective affiliates.
In those cases, prospective investors may view offering terms online and may be
allowed to place orders online. Other than this prospectus supplement in
electronic format, any information on the underwriters or their respective
affiliates' websites and any information contained in any other website
maintained by the underwriters or any of their respective affiliates is not part
of this prospectus supplement or the registration statement of which this
prospectus supplement forms a part, has not been approved and/or endorsed by us
or the underwriters and should not be relied upon by investors. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Relationships
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Each underwriter and its
respective affiliates have provided in the past to us and our affiliates and may
provide from time to time in the future certain commercial banking, financial
advisory, investment banking and other services for us and such affiliates in
the ordinary course of their business, for which they have received and may
continue to receive customary fees and commissions. In addition, from time to
time, the underwriters and their respective affiliates may effect transactions
for their own account or the account of customers, and hold on behalf of
themselves or their customers, long or short positions in our debt or equity
securities or loans, and may do so in the future. </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>VALIDITY OF SECURITIES
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The validity of the shares
of common stock offered hereby will be passed upon for us by Windels Marx Lane
&amp; Mittendorf, LLP, New Brunswick, New Jersey. Certain legal matters relating
to this offering will be passed upon for the underwriters by Silver, Freedman,
Taff &amp; Tiernan LLP, Washington, D.C. </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>EXPERTS </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our consolidated financial
statements as of December 31, 2015 and 2014, and for each of the years then
ended, and the effectiveness of our internal control over financial reporting as
of December 31, 2015, have been audited by Crowe Horwath LLP, an independent
registered public accounting firm, as set forth in its report thereon and
incorporated herein by reference. Such consolidated financial statements are
incorporated herein by reference in reliance upon such report given upon the
authority of such firm as experts in accounting and auditing. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our consolidated financial
statements for the year ended December 31, 2013 included in our Annual Report on
Form 10-K for the year ended December 31, 2015, have been audited by BDO USA,
LLP, independent registered public accounting firm, as set forth in its report
thereon and incorporated therein and herein by reference. Such consolidated
financial statements are incorporated herein by reference in reliance upon such
report given upon the authority of such firm as experts in accounting and
auditing. </FONT></P>
<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>S-9</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>INCORPORATION OF CERTAIN
DOCUMENTS BY REFERENCE </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The SEC allows us to
&#147;incorporate by reference&#148; into this prospectus the information we have filed
with the SEC, which means that we can disclose important information to you by
referring you to those documents. Any information that we file subsequently with
the SEC will automatically update this prospectus. We incorporate by reference
into this prospectus the information contained in the documents listed below,
which is considered to be a part of this prospectus:</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>our Proxy Statement
      on Schedule 14A filed on April 26, 2016; </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>our Annual Report on
      Form 10-K for the year ended December 31, 2015; </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>our Quarterly Reports
      on Form 10-Q for the quarters ended March 31, 2016, June 30, 2016, and
      September 30, 2016; </FONT></P></TD></TR></TABLE>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>our Current Reports
      on Form 8-K filed with the SEC on January 28, 2016, January 28, 2016,
      March 8, 2016, March 25, 2016, March 29, 2016, April 27, 2016, April 28,
      2016, May 5, 2016, May 6, 2016, May 19, 2016, June 29, 2016, July 25,
      2016, August 2, 2016, September 7, 2016, September 21, 2016, October 26,
      2016, November 15, 2016, November 29, 2016 and December 13, 2016 (except
      for the disclosures made under Item 2.02 or Item 7.01 of any such Current
      Report on Form 8-K, including the related exhibits, which are deemed
      furnished, and not filed, in accordance with the SEC&#146;s regulations); and
      </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the description of
      our common stock contained in the Registration Statement on Form 8-A filed
      on June 5, 1996 pursuant to Section 12(g) of the Exchange Act, and any
      further amendment or report filed thereafter for the purpose of updating
      such description. </FONT></P></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We also incorporate by
reference all documents we file under Sections 13(a), 13(c), 14 or 15(d) of the
Exchange Act (a) after the initial filing date of the registration statement of
which this prospectus is a part and before the effectiveness of the registration
statement and (b) after the effectiveness of the registration statement and
before the filing of a post-effective amendment that indicates that the
securities offered by this prospectus have been sold or that deregisters the
securities covered by this prospectus then remaining unsold. The most recent
information that we file with the SEC automatically updates and supersedes older
information. The information contained in any such filing will be deemed to be a
part of this prospectus, commencing on the date on which the document is
filed.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>You may obtain a copy of
any or all of the documents incorporated by reference in this prospectus
supplement and the accompanying prospectus (other than an exhibit to a document
unless that exhibit is specifically incorporated by reference into that
document) from the SEC on its web site at http://www.sec.gov. You also may
obtain these documents from us without charge by visiting our web site at
http://www.connectonebank.com or by requesting them from Laura Criscione,
Corporate Secretary, ConnectOne Bancorp, Inc., 301 Sylvan Avenue, Englewood
Cliffs, New Jersey 07632; telephone (201) 816-8900. </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>WHERE YOU CAN FIND MORE
INFORMATION </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We file annual, quarterly
and current reports, proxy statements and other information with the SEC. You
may read and copy these reports, proxy statements and other information that we
file with the SEC at the SEC's Public Reference Room at 100 F Street, N.E.,
Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for more
information about the operation of the Public Reference Room. You can request
copies of these documents by writing to the SEC and paying a fee for the copying
costs. Our SEC filings are also available at the SEC's website at www.sec.gov,
which contains reports, proxy and information statements and other information
regarding issuers that file electronically with the SEC. In addition, we
maintain a website that contains information about us at
http://www.connectonebank.com. The information found on, or otherwise accessible
through, our website is not incorporated into, and does not form a part of, this
prospectus supplement or the accompanying prospectus or any other report or
document we file with or furnish to the SEC. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have also filed a
registration statement (No. 333-213260) with the SEC relating to the securities
offered by this prospectus supplement and the accompanying prospectus. This
prospectus supplement and the accompanying prospectus are parts of the
registration statement. You may obtain from the SEC a copy of the registration
statement and exhibits that we filed with the SEC when we registered the
securities offered by this prospectus supplement and the accompanying
prospectus. The registration statement may contain additional information that
may be important to you.</FONT></P>
<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>S-10</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>PROSPECTUS
</FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=2>CONNECTONE BANCORP, INC.
</FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=2>$50,000,000<BR>Common
Stock<BR>Preferred Stock<BR>Warrants<BR>Debt Securities<BR>Depositary
Shares<BR>Units </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>ConnectOne Bancorp, Inc.
may offer, issue and sell from time to time, together or separately, in one or
more offerings, any combination of (i) our common stock, (ii) our preferred
stock, which we may issue in one or more series, (iii) warrants, (iv) senior or
subordinated debt securities, (v) depositary shares and (vi) units, up to a
maximum aggregate offering price of $50,000,000. The debt securities may consist
of debentures, notes, or other types of debt. The debt securities, preferred
stock and warrants may be convertible into, or exercisable or exchangeable for,
common or preferred stock or other securities of ours. The preferred stock may
be represented by depositary shares. The units may consist of any combination of
the securities listed above. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may offer and sell these
securities in amounts, at prices and on terms determined at the time of the
offering. We will provide the specific terms of these securities in supplements
to this prospectus. You should read this prospectus and the accompanying
prospectus supplement, as well as the documents incorporated or deemed
incorporated by reference in this prospectus, carefully before you make your
investment decision. Our common stock is quoted on the NASDAQ Global Select
Market System under the symbol &#147;CNOB.&#148; On December 6, 2016, the last reported
sale price of our common stock on the NASDAQ Global Select Market System was
$25.05 per share. You are urged to obtain current market quotations of the
common stock. Each prospectus supplement will indicate if the securities offered
thereby will be listed on any securities exchange. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus may not be
used to sell securities unless accompanied by a prospectus supplement.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may offer to sell these
securities on a continuous or delayed basis, through agents, dealers or
underwriters, or directly to purchasers. The prospectus supplement for each
offering of securities will describe in detail the plan of distribution for that
offering. If our agents or any dealers or underwriters are involved in the sale
of the securities, the applicable prospectus supplement will set forth the names
of the agents, dealers or underwriters and any applicable commissions or
discounts. Our net proceeds from the sale of securities will also be set forth
in the applicable prospectus supplement. For general information about the
distribution of securities offered, please see &#147;Plan of Distribution&#148; in this
prospectus. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>Investing in these
securities involves substantial risks. See &#147;Risk Factors&#148; on page 3 herein and
in our most recent Annual Report on Form 10-K, which is incorporated by
reference herein, updated and supplemented by our periodic reports and other
information filed by us with the Securities and Exchange Commission and
incorporated by reference herein. The prospectus supplement applicable to each
type or series of securities we offer may contain a discussion of additional
risks applicable to an investment in us and the particular type of securities we
are offering under that prospectus supplement.</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>NEITHER THE SECURITIES
AND EXCHANGE COMMISSION NOR ANY STATE SECURITIES COMMISSION OR REGULATORY BODY
HAS APPROVED OR DISAPPROVED OF THESE SECURITIES OR DETERMINED IF THIS PROSPECTUS
IS TRUTHFUL OR COMPLETE. ANY REPRESENTATION TO THE CONTRARY IS A CRIMINAL
OFFENSE.</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>THE SECURITIES ARE NOT
SAVINGS ACCOUNTS, DEPOSITS OR OBLIGATIONS OF ANY BANK AND ARE NOT INSURED BY THE
FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL
AGENCY.</FONT></B></P>
<P align=center><FONT face="Times New Roman" size=2>The date of this prospectus
is December 9, 2016.</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>We have not authorized
any person to give any information or make any statement that differs from what
is in this prospectus. If any person does make a statement that differs from
what is in this prospectus, you should not rely on it. This prospectus is not an
offer to sell, nor is it a solicitation of an offer to buy, these securities in
any state in which the offer or sale is not permitted. The information in this
prospectus is complete and accurate as of its date, but the information may
change after that date. You should not assume that the information in this
prospectus is accurate as of any date after its date. </FONT></B></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
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  <TR vAlign=bottom>
    <TD NOWRAP STYLE="border-bottom: #000000 1pt solid; text-align: center; width: 100%; padding-bottom: 2pt"><B><FONT face="Times New Roman" size=2>PROSPECTUS
      SUMMARY</FONT></B></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus is a part
of a registration statement that we filed with the Securities and Exchange
Commission, or the SEC, utilizing a &#147;shelf&#148; registration process. Under this
shelf registration process, we may, from time to time, sell any combination of
the securities described in this prospectus in one or more offerings.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The registration statement
containing this prospectus, including the exhibits to the registration
statement, provides additional information about us and the securities offered
under this prospectus. You should read the registration statement and the
accompanying exhibits for further information. The registration statement,
including the exhibits and the documents incorporated or deemed incorporated
herein by reference, can be read and are available to the public on the SEC&#146;s
website at </FONT><I><FONT face="Times New Roman" size=2>http://www.sec.gov</FONT></I><FONT face="Times New Roman" size=2> as
described under the heading &#147;Where You Can Find More Information&#148; on page
24.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Each time we sell
securities pursuant to this prospectus, we will provide a prospectus supplement
containing specific information about the terms of a particular offering by us.
That prospectus supplement may include a discussion of any risk factors or other
special considerations that apply to those securities. The prospectus supplement
may add, update or change information in this prospectus. If the information in
the prospectus is inconsistent with a prospectus supplement, you should rely on
the information in that prospectus supplement. You should read both this
prospectus and, if applicable, any prospectus supplement. See &#147;Where You Can
Find More Information&#148; on page 24 for more information.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have not authorized any
dealer, salesman or other person to give any information or to make any
representation other than those contained or incorporated by reference in this
prospectus or any prospectus supplement. You must not rely upon any information
or representation not contained or incorporated by reference in this prospectus
or any prospectus supplement. This prospectus and any prospectus supplement do
not constitute an offer to sell or the solicitation of an offer to buy any
securities other than the registered securities to which they relate, nor do
this prospectus and any prospectus supplement constitute an offer to sell or the
solicitation of an offer to buy securities in any jurisdiction to any person to
whom it is unlawful to make such offer or solicitation in such jurisdiction. You
should not assume that the information contained in this prospectus or any
prospectus supplement is accurate on any date subsequent to the date set forth
on the front of such document or that any information we have incorporated by
reference is correct on any date subsequent to the date of the document
incorporated by reference, even though this prospectus and any prospectus
supplement is delivered or securities are sold on a later date.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>Unless this prospectus
indicates otherwise or the context otherwise requires, the terms &#147;we,&#148; &#147;our,&#148;
&#147;us,&#148; &#147;ConnectOne,&#148; &#147;ConnectOne Bancorp&#148; or the &#147;Company&#148; as used in this
prospectus refer to ConnectOne Bancorp, Inc. and its subsidiaries, including
ConnectOne Bank, which we sometimes refer to as the &#147;Bank,&#148; except that such
terms refer to only ConnectOne Bancorp, Inc. and not its subsidiaries in the
sections entitled &#147;Description of Common Stock,&#148; &#147;Description of Preferred
Stock,&#148; &#147;Description of Warrants,&#148; &#147;Description of Debt Securities,&#148;
&#147;Description of Depositary Shares&#148; and &#147;Description of Units.&#148;</FONT></I></P>
<P align=left><B><I><FONT face="Times New Roman" size=2>Company
Overview</FONT></I></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>ConnectOne Bancorp, Inc.,
(the &#147;Company&#148; and with ConnectOne Bank, &#147;we&#148; or &#147;us&#148;) a one-bank holding
company, was incorporated in the state of New Jersey on November 12, 1982 as
Center Bancorp, Inc. and commenced operations on May 1, 1983 upon the
acquisition of all outstanding shares of capital stock of Union Center National
Bank, its then principal subsidiary. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>On January 20, 2014, the
Company entered into an Agreement and Plan of Merger (the &#147;Merger Agreement&#148;)
with ConnectOne Bancorp, Inc., a New Jersey corporation (&#147;Legacy ConnectOne&#148;).
Effective July 1, 2014, the Company completed the merger contemplated by the
Merger Agreement (the &#147;Merger&#148;) with Legacy ConnectOne merging with and into the
Company, with the Company as the surviving corporation. Also at closing, the
Company changed its name to &#147;ConnectOne Bancorp, Inc.&#148; and changed its NASDAQ
trading symbol to &#147;CNOB&#148;. Immediately following the consummation of the Merger,
Union Center National Bank merged with and into ConnectOne Bank, a New
Jersey-chartered commercial bank (&#147;ConnectOne Bank&#148; or the &#147;Bank&#148;) and a
wholly-owned subsidiary of Legacy ConnectOne, with ConnectOne Bank continuing as
the surviving bank. Subject to the terms and conditions
of the Merger Agreement, each share of common stock, no par value per share, of
Legacy ConnectOne was converted into 2.6 shares of the Company&#146;s common stock.</FONT></P>

<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>1</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The Bank offers a broad
range of deposit and loan products and services to the general public and, in
particular, to small and mid-sized businesses, local professionals and
individuals residing, working and conducting business in our trade
area.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>While we expect the bulk of
our future growth to be organic, we continue to take an opportunistic approach
to acquisitions, considering opportunities to purchase whole institutions,
branches or lines of business that complement our existing. While we may open
new offices in the counties contained in our broader trade area discussed below,
we do not believe that we need to establish a physical location in each market
that we serve. We believe that advances in technology have created new delivery
channels which allow us to service customers and maintain business relationships
without a physical presence, and that these customers can also be serviced
through a regional office. We believe the key to customer acquisition and
retention is establishing quality teams of lenders and business relationship
officers who will frequently go to the customer, rather than having the customer
come into the branch.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We emphasize superior
customer service and relationship banking. The Bank offers high-quality service
by minimizing personnel turnover and by providing more direct, personal
attention than we believe is offered by competing financial institutions, the
majority of which are branch offices of banks headquartered outside our primary
trade area. By emphasizing the need for a professional, responsive and
knowledgeable staff, we offer a superior level of service to our customers. As a
result of senior management&#146;s availability for consultation, we believe we offer
customers a quicker response on loan applications and other banking transactions
than competitors, whose decisions may be made in distant headquarters. We
believe that this response time results in a pricing advantage to us, in that we
frequently may exceed competitors&#146; loan pricing and still win customers. We also
provide state-of-the-art banking technology, including remote deposit capture,
internet banking and mobile banking, to provide our customers with the most
choices and maximum flexibility. We believe that this combination of quick,
responsive and personal service and advanced technology provides the Bank&#146;s
customers with a superior banking experience.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The Bank operates seven
banking offices in Bergen County, NJ, consisting of one office each in Englewood
Cliffs, Englewood, Cresskill, Fort Lee, Hackensack, Ridgewood and Saddle River;
eight banking offices in Union County, NJ, consisting of four offices in Union
Township, and one office each in Springfield Township, Berkeley Heights, and
Summit; three banking offices in Morris County, NJ, consisting of one office
each in Boonton, Madison and Morristown; one office in Newark in Essex County,
NJ; one office in West New York in Hudson County, NJ; one office in Princeton in
Mercer County, NJ, and one office in Holmdel in Monmouth County, NJ. The Bank
also operates a branch office in the borough of Manhattan in New York City. The
Bank&#146;s principal office is located at 301 Sylvan Avenue, Englewood Cliffs, NJ.
The principal office is a three-story leased building constructed in
2008.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>As of September 30, 2016,
we had total consolidated assets of $4.33 billion, total deposits of $3.27
billion and total stockholders' equity of $499.59 million.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are subject to
examination by the Federal Reserve Board. The Bank is a state chartered
commercial bank subject to supervision and examination by the FDIC and the New
Jersey Department of Banking and Insurance (&#147;DOBI&#148;). Regulations of the Federal
Deposit Insurance Corporation, or FDIC, and the DOBI govern most aspects of the
Bank&#146;s business, including reserves against deposits, loans, investments,
mergers and acquisitions, borrowings, dividends and location of branch
offices.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our principal executive
offices are located at 301 Sylvan Avenue, Englewood Cliffs, New Jersey 07632,
and our telephone number is (201) 816-8900. Our Internet address is
www.cnob.com. Please note that our website is provided as an inactive textual
reference and the information on our website is not incorporated by reference in
this prospectus.</FONT></P>
<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>2</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>SPECIAL NOTE REGARDING
FORWARD-LOOKING STATEMENTS</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus, including
the documents that we incorporate by reference, contains forward-looking
statements within the meaning of Section 27A of the Securities Act of 1933 and
Section 21E of the Securities Exchange Act of 1934. Any statements about our
expectations, beliefs, plans, objectives, assumptions or future events or
performance are not historical facts and may be forward-looking. These
statements are often, but not always, made through the use of words or phrases
such as &#147;anticipate,&#148; &#147;estimate,&#148; &#147;plans,&#148; &#147;projects,&#148; &#147;continuing,&#148; &#147;ongoing,&#148;
&#147;expects,&#148; &#147;management believes,&#148; &#147;we believe,&#148; &#147;we intend&#148; and similar words or
phrases. Accordingly, these statements involve estimates, assumptions and
uncertainties, which could cause actual results to differ materially from those
expressed in them. Any forward-looking statements are qualified in their
entirety by reference to the risk factors discussed in this prospectus or
discussed in documents incorporated by reference in this prospectus.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Forward-looking statements
are subject to known and unknown risks and uncertainties, which change over
time, and are based on management&#146;s expectations and assumptions at the time the
statements are made, and are not guarantees of future results. Our actual
results may differ materially from those expressed or anticipated in the
forward-looking statements for many reasons, including the factors described in
the section entitled &#147;Risk Factors&#148; in this prospectus, in any risk factors
described in a supplement to this or in other filings.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>You should not unduly rely
on these forward-looking statements, which speak only as of the date on which
they are made. We undertake no obligation to publicly revise any forward-looking
statement to reflect circumstances or events after the date of this prospectus
or to reflect the occurrence of unanticipated events. You should, however,
review the factors and risks we describe in the reports we file from time to
time with the SEC after the date of this prospectus. We undertake no obligation
to revise or update the forward-looking statements contained in this prospectus
at any time.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>RISK
FACTORS</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>An investment in our
securities involves risks. Before making an investment decision, you should
carefully consider the risks described under &#147;Risk Factors&#148; in the applicable
prospectus supplement and in our most recent Annual Report on Form 10-K, and in
our updates to those Risk Factors in our Quarterly Reports on Form 10-Q
following the most recent Form 10-K, and in all other information appearing in
this prospectus or incorporated by reference into this prospectus and any
applicable prospectus supplement. The material risks and uncertainties that
management believes affect us will be described in those documents. In addition
to those risk factors, there may be additional risks and uncertainties of which
management is not aware or focused on or that management deems immaterial. Our
business, financial condition or results of operations could be materially
adversely affected by any of these risks. The trading price of our securities
could decline due to any of these risks, and you may lose all or part of your
investment. This prospectus is qualified in its entirety by these risk factors.
</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>USE OF
PROCEEDS</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Unless otherwise provided
in the applicable prospectus supplement to this prospectus used to offer
specific securities, we expect to use the net proceeds from any offering of
securities by us for general corporate purposes, which may include acquisitions,
capital expenditures, investments, (investments in subsidiaries) and the
repayment, redemption or refinancing of all or a portion of any indebtedness or
other securities outstanding at a particular time. Pending the application of
the net proceeds, we expect to invest the proceeds in short-term,
interest-bearing instruments or other investment-grade securities.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>DESCRIPTIONS OF
SECURITIES WE MAY OFFER</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus contains
summary descriptions of the common stock, preferred stock, warrants, debt
securities, depositary shares and units that we may offer and sell from time to
time. We may issue the debt securities as exchangeable and/or convertible debt
securities exchangeable for or convertible into shares of common stock or
preferred stock. The preferred stock may also be exchangeable for and/or
convertible into shares of common stock or another series of preferred stock.
When one or more of these securities are offered in the future, a prospectus
supplement will explain the particular terms of the securities and the extent to
which these general provisions may apply. These summary
descriptions and any summary descriptions in the applicable prospectus
supplement do not purport to be complete descriptions of the terms and
conditions of each security and are qualified in their entirety by reference to
our restated certificate of incorporation, our by-laws and by applicable New
Jersey law and any other documents referenced in such summary descriptions and
from which such summary descriptions are derived. If any particular terms of a
security described in the applicable prospectus supplement differ from any of
the terms described herein, then the terms described herein will be deemed
superseded by the terms set forth in that prospectus supplement.</FONT></P>
<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>3</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may issue securities in
book-entry form through one or more depositaries, such as The Depository Trust
Company, Euroclear or Clearstream, named in the applicable prospectus
supplement. Each sale of a security in book-entry form will settle in
immediately available funds through the applicable depositary, unless otherwise
stated. We will issue the securities only in registered form, without coupons,
although we may issue the securities in bearer form if so specified in the
applicable prospectus supplement. If any securities are to be listed or quoted
on a securities exchange or quotation system, the applicable prospectus
supplement will say so.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>DESCRIPTION OF COMMON
STOCK</FONT></B></P>
<P align=left><B><FONT face="Times New Roman" size=2>General</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our restated certification
of incorporation provides that we may issue up to 55,000,000 shares of capital
stock, of which 50,000,000 shares are designated as common stock, no par value,
and 5,000,000 shares are designated as preferred stock, no par value. Our board
of directors is authorized to issue the preferred stock from time to time in one
or more classes or series, with such designations, preferences, rights and
limitations as the board shall determine. We may increase our authorized shares
of capital stock subsequent to the date of this prospectus. As of December 31,
2015, there were 30,085,663 shares of our common stock outstanding and 11,250
shares of our Series B preferred stock issued and outstanding. We redeemed the
outstanding shares of Senior Non-Cumulative Perpetual Preferred Stock, Series B
on or about March 11, 2016, and there are now no shares of our preferred stock
outstanding. All outstanding shares of our common stock are fully paid and
non-assessable. Our common stock is listed on the NASDAQ Global Select Market
under the symbol &#147;CNOB.&#148;</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Dividend
Rights</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The ConnectOne Bancorp is a
legal entity separate and distinct from the Bank. Virtually all of the revenue
of the ConnectOne Bancorp available for payment of dividends on its capital
stock will result from amounts paid to the ConnectOne Bancorp by the Bank. All
such dividends are subject to the laws of the state of New Jersey, the Banking
Act, the Federal Deposit Insurance Act (&#147;FDIA&#148;) and the regulation of the DOBI
and of the FDIC.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Under the New Jersey
Corporation Act, the ConnectOne Bancorp is permitted to pay cash dividends
provided that the payment does not leave us insolvent. As a bank holding company
under the BHCA, we would be prohibited from paying cash dividends if we are not
in compliance with any capital requirements applicable to us. However, as a
practical matter, for so long as our major operations consist of ownership of
the Bank, the Bank will remain our source of dividend payments, and our ability
to pay dividends will be subject to any restrictions applicable to the
Bank.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Under the New Jersey
Banking Act of 1948, as amended, dividends may be paid by the Bank only if,
after the payment of the dividend, the capital stock of the Bank will be
unimpaired and either the Bank will have a surplus of not less than 50% of its
capital stock or the payment of the dividend will not reduce the Bank&#146;s surplus.
The payment of dividends is also dependent upon the Bank&#146;s ability to maintain
adequate capital ratios pursuant to applicable regulatory
requirements.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The FRB has issued a policy
statement regarding the payment of dividends by bank holding companies. In
general, the FRB&#146;s policies provide that dividends should be paid only out of
current earnings and only if the prospective rate of earnings retention by the
bank holding company appears consistent with the organization&#146;s capital needs,
asset quality and overall financial condition. FRB regulations also require that
a bank holding company serve as a source of financial strength to its subsidiary
banks by standing ready to use available resources to provide adequate capital
funds to those banks during periods of financial stress or adversity and by
maintaining the financial flexibility
and capital-raising capacity to obtain additional resources for assisting its
subsidiary banks where necessary. Under the prompt corrective action laws, the
ability of a bank holding company to pay dividends may be restricted if a
subsidiary bank becomes undercapitalized, and under regulations implementing the
Basel III accord, a bank holding company&#146;s ability to pay cash dividends may be
impaired if it fails to satisfy certain capital buffer requirements. These
regulatory policies could affect the ability of the Company to pay dividends or
otherwise engage in capital distributions.</FONT></P>
<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>4</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<P align=left><B><FONT face="Times New Roman" size=2>Voting
Rights</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Each outstanding share of
our common stock entitles the holder to one vote on all matters submitted to a
vote of our shareholders, except as otherwise required by law. The quorum for
shareholders&#146; meetings is a majority of the outstanding shares. Generally,
actions and authorizations to be taken or given by shareholders require the
approval of a majority of the votes cast by holders of our common stock at a
meeting at which a quorum is present. There is no cumulative voting.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Liquidation
Rights</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In the event of
liquidation, dissolution or winding up of ConnectOne Bancorp, holders of our
common stock are entitled to share equally and ratably in assets available for
distribution after payment of debts and liabilities, subject to the rights of
the holders of our preferred stock described below.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Assessment and
Redemption</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>All outstanding shares of
our common stock are fully paid and non-assessable. Our common stock is not
redeemable at the option of the issuer or the holders thereof.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Other
Matters</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Certain provisions in our
restated certificate of incorporation, applicable New Jersey corporate law and
applicable federal banking law may have the effect of discouraging a change of
control of ConnectOne Bancorp, even if such a transaction is favored by some of
our shareholders and could result in shareholders receiving a substantial
premium over the current market price of our shares. The primary purpose of
these provisions is to encourage negotiations with our management by persons
interested in acquiring control of our corporation. These provisions may also
tend to perpetuate present management and make it difficult for shareholders
owning less than a majority of the shares to be able to elect even a single
director.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Broadridge Corporate Issuer
Solutions is presently the transfer agent and registrar for our common
stock.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>DESCRIPTION OF PREFERRED
STOCK</FONT></B></P>
<P align=left><B><FONT face="Times New Roman" size=2>&#147;Blank Check&#148; Preferred
Stock</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The 5,000,000 unissued
shares of preferred stock are typically referred to as &#147;blank check&#148; preferred
stock. This term refers to stock for which the rights and restrictions are
determined by the board of directors of a corporation. In general, our restated
certificate of incorporation, authorizes our board of directors to issue new
shares of our common stock or preferred stock without further shareholder
action, provided that there are sufficient authorized shares.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The issuance of additional
common or preferred stock may be viewed as having adverse effects upon the
holders of common stock. Holders of our common stock do not have preemptive
rights with respect to any newly issued stock. Our board could adversely affect
the voting power of holders of our common stock by issuing shares of preferred
stock with certain voting, conversion and/or redemption rights. In the event of
a proposed merger, tender offer or other attempt to gain control of ConnectOne
Bancorp that the board of directors does not believe to be in the best interests
of its shareholders, the board could issue additional preferred stock which
could make any such takeover attempt more difficult to complete. Our board of
directors does not intend to issue any preferred stock except on terms that the
board deems to be in the best interests of our company and our
shareholders.</FONT></P>

<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>5</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Terms of the Preferred
Stock That We May Offer and Sell to You</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We summarize below some of
the provisions that will apply to the preferred stock that we may offer to you
unless the applicable prospectus supplement provides otherwise. This summary may
not contain all information that is important to you. The complete terms of the
preferred stock will be contained in the prospectus supplement. You should read
the prospectus supplement, which will contain additional information and which
may update or change some of the information below.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our board of directors has
the authority, without further action by the shareholders, to issue preferred
stock in one or more series and to fix the number of shares, dividend rights,
conversion rights, voting rights, redemption rights, liquidation preferences,
sinking funds, and any other rights, preferences, privileges and restrictions
applicable to each such series of preferred stock.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Prior to the issuance of a
new series of preferred stock, we will further amend our restated certificate of
incorporation, designating the stock of that series and the terms of that
series. The issuance of any preferred stock could adversely affect the rights of
the holders of common stock and, therefore, reduce the value of the common
stock. The ability of our board of directors to issue preferred stock could
discourage, delay or prevent a takeover or other corporate action.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The terms of any particular
series of preferred stock will be described in the prospectus supplement
relating to that particular series of preferred stock, including, where
applicable:</FONT></P>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the designation,
      stated value and liquidation preference of such preferred stock and the
      amount of stock offered;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the offering
      price;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the dividend rate or
      rates (or method of calculation), the date or dates from which dividends
      shall accrue, and whether such dividends shall be cumulative or
      noncumulative and, if cumulative, the dates from which dividends shall
      commence to cumulate;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any redemption or
      sinking fund provisions;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the amount that
      shares of such series shall be entitled to receive in the event of our
      liquidation, dissolution or winding-up;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the terms and
      conditions, if any, on which shares of such series shall be convertible or
      exchangeable for shares of our stock of any other class or classes, or
      other series of the same class;</FONT></P></TD></TR></TABLE>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the voting rights, if
      any, of shares of such series;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the status as to
      reissuance or sale of shares of such series redeemed, purchased or
      otherwise reacquired, or surrendered to us on conversion or
      exchange;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the conditions and
      restrictions, if any, on the payment of dividends or on the making of
      other distributions on, or the purchase, redemption or other acquisition
      by us or any subsidiary, of the common stock or of any other class of our
      shares ranking junior to the shares of such series as to dividends or upon
      liquidation;</FONT></P></TD></TR></TABLE>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the conditions and
      restrictions, if any, on the creation of indebtedness by us or by any
      subsidiary, or on the issuance of any additional stock ranking on a parity
      with or prior to the shares of such series as to dividends or upon
      liquidation; and</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any additional
      dividend, liquidation, redemption, sinking or retirement fund and other
      rights, preferences, privileges, limitations and restrictions of such
      preferred stock. </FONT></P></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The description of the
terms of a particular series of preferred stock in the applicable prospectus
supplement will not be complete. You should refer to the applicable amendment to
our restated certificate of incorporation for complete information regarding a
series of preferred stock.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The preferred stock will,
when issued against payment of the consideration payable therefore, be fully
paid and nonassessable. Unless otherwise specified in the applicable prospectus
supplement, each series of preferred stock will, upon issuance, rank senior to
the common stock and on a parity in all respects with each other outstanding series of
preferred stock. The rights of the holders of our preferred stock will be
subordinate to that of our general creditors.</FONT></P>

<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>6</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<P align=center><B><FONT face="Times New Roman" size=2>DESCRIPTION OF
WARRANTS</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We summarize below some of
the provisions that will apply to the warrants unless the applicable prospectus
supplement provides otherwise. This summary may not contain all information that
is important to you. The complete terms of the warrants will be contained in the
applicable warrant certificate and warrant agreement. These documents have been
or will be included or incorporated by reference as exhibits to the registration
statement of which this prospectus is a part. You should read the warrant
certificate and the warrant agreement. You should also read the prospectus
supplement, which will contain additional information and which may update or
change some of the information below.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>General</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may issue, together with
other securities or separately, warrants to purchase debt securities, common
stock, preferred stock or other securities. We may issue the warrants under
warrant agreements to be entered into between us and a bank or trust company, as
warrant agent, all as set forth in the applicable prospectus supplement. The
warrant agent would act solely as our agent in connection with the warrants of
the series being offered and would not assume any obligation or relationship of
agency or trust for or with any holders or beneficial owners of
warrants.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The applicable prospectus
supplement will describe the following terms, where applicable, of warrants in
respect of which this prospectus is being delivered:</FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the title of the
      warrants;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the designation,
      amount and terms of the securities for which the warrants are exercisable
      and the procedures and conditions relating to the exercise of such
      warrants;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the designation and
      terms of the other securities, if any, with which the warrants are to be
      issued and the number of warrants issued with each such
      security;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the price or prices
      at which the warrants will be issued;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the aggregate number
      of warrants;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any provisions for
      adjustment of the number or amount of securities receivable upon exercise
      of the warrants or the exercise price of the
  warrants;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the price or prices
      at which the securities purchasable upon exercise of the warrants may be
      purchased;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>if applicable, the
      date on and after which the warrants and the securities purchasable upon
      exercise of the warrants will be separately transferable;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>if applicable, a
      discussion of the material U.S. federal income tax considerations
      applicable to the warrants;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any other terms of
      the warrants, including terms, procedures and limitations relating to the
      exchange and exercise of the warrants;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the date on which the
      right to exercise the warrants shall commence and the date on which the
      right shall expire;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>if applicable, the
      maximum or minimum number of warrants which may be exercised at any
      time;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the identity of the
      warrant agent;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any mandatory or
      optional redemption provision;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>whether the warrants
      are to be issued in registered or bearer
form;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>whether the warrants
      are extendible and the period or periods of such
    extendibility;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>information with
      respect to book-entry procedures, if any; and</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any other terms of
      the warrants. </FONT></P></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Before exercising their
warrants, holders of warrants will not have any of the rights of holders of the
securities purchasable upon such exercise, including the right to receive
dividends, if any, or payments upon our liquidation, dissolution or winding-up
or to exercise voting rights, if any.</FONT></P>
<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>7</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Exercise of
Warrants</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Each warrant will entitle
the holder thereof to purchase the amount of such principal amounts of debt
securities or such number of shares of common stock or preferred stock or other
securities at the exercise price as will in each case be set forth in, or be
determinable as set forth in, the applicable prospectus supplement. Warrants may
be exercised at any time up to the close of business on the expiration date set
forth in the applicable prospectus supplement. After the close of business on
the expiration date, unexercised warrants will become void. Warrants may be
exercised as set forth in the applicable prospectus supplement relating to the
warrants offered thereby. Upon receipt of payment and the warrant certificate
properly completed and duly executed at the corporate trust office of the
warrant agent or any other office indicated in the applicable prospectus
supplement, we will, as soon as practicable, forward the purchased securities.
If less than all of the warrants represented by the warrant certificate are
exercised, a new warrant certificate will be issued for the remaining
warrants.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Enforceability of Rights
of Holders of Warrants</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Each warrant agent will act
solely as our agent under the applicable warrant agreement and will not assume
any obligation or relationship of agency or trust with any holder of any
warrant. A single bank or trust company may act as warrant agent for more than
one issue of warrants. A warrant agent will have no duty or responsibility in
case of any default by us under the applicable warrant agreement or warrant,
including any duty or responsibility to initiate any proceedings at law or
otherwise, or to make any demand upon us. Any holder of a warrant may, without
the consent of the related warrant agent or the holder of any other warrant,
enforce by appropriate legal action its right to exercise, and receive the
securities purchasable upon exercise of, that holder&#146;s warrant(s).</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Modification of the
Warrant Agreement</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The warrant agreement will
permit us and the warrant agent, without the consent of the warrant holders, to
supplement or amend the agreement in the following circumstances:</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to cure any
      ambiguity;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to correct or
      supplement any provision which may be defective or inconsistent with any
      other provisions; or</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to add new provisions
      regarding matters or questions that we and the warrant agent may deem
      necessary or desirable and which do not adversely affect the interests of
      the warrant holders. </FONT></P></TD></TR></TABLE>
<P align=center><B><FONT face="Times New Roman" size=2>DESCRIPTION OF DEBT
SECURITIES</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We summarize below some of
the provisions that will apply to the debt securities unless the applicable
prospectus supplement provides otherwise. This summary may not contain all
information that is important to you. The complete terms of the debt securities
will be contained in the applicable notes. The notes will be included or
incorporated by reference as exhibits to the registration statement of which
this prospectus is a part. You should read the provisions of the notes. You
should also read the prospectus supplement, which will contain additional
information and which may update or change some of the information
below.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>General</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus describes
certain general terms and provisions of the debt securities. The debt securities
will be issued under an indenture between us and a trustee to be designated
prior to the issuance of the debt securities. When we offer to sell a particular
series of debt securities, we will describe the specific terms of the securities
in a supplement to this prospectus. The prospectus supplement will also indicate
whether the general terms and provisions described in this prospectus apply to a
particular series of debt securities.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may issue, from time to
time, debt securities, in one or more series, that will consist of either our
senior debt (&#147;senior debt securities&#148;), our senior subordinated debt (&#147;senior
subordinated debt securities&#148;), our subordinated debt (&#147;subordinated debt
securities&#148;) or our junior subordinated debt (&#147;junior subordinated debt
securities&#148; and, together with the senior
subordinated debt securities and the subordinated debt securities, the
&#147;subordinated securities&#148;). Debt securities, whether senior, senior
subordinated, subordinated or junior subordinated, may be issued as convertible
debt securities or exchangeable debt securities.</FONT></P>

<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>8</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have summarized herein
certain terms and provisions of the form of indenture (the &#147;indenture&#148;). The
summary is not complete and is qualified in its entirety by reference to the
actual text of the indenture. The indenture is an exhibit to the registration
statement of which this prospectus is a part. You should read the indenture for
the provisions which may be important to you. The indenture is subject to and
governed by the Trust Indenture Act of 1939, as amended.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The indenture does not
limit the amount of debt securities which we may issue. We may issue debt
securities up to an aggregate principal amount as we may authorize from time to
time, which securities may be in any currency or currency unit designated by us.
The terms of each series of debt securities will be established by or pursuant
to (a) a supplemental indenture, (b) a resolution of our board of directors, or
(c) an officers&#146; certificate pursuant to authority granted under a resolution of
our board of directors. The prospectus supplement will describe the terms of any
debt securities being offered, including:</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the title of the debt
      securities;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the limit, if any,
      upon the aggregate principal amount or issue price of the debt securities
      of a series;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>ranking of the
      specific series of debt securities relative to other outstanding
      indebtedness, including any debt of any of our
  subsidiaries;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the price or prices
      at which the debt securities will be issued;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the designation,
      aggregate principal amount and authorized denominations of the series of
      debt securities;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the issue date or
      dates of the series and the maturity date of the
  series;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>whether the
      securities will be issued at par or at a premium over or a discount from
      their face amount;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the interest rate, if
      any, and the method for calculating the interest rate and basis upon which
      interest shall be calculated;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the right, if any, to
      extend interest payment periods and the duration of the
      extension;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the interest payment
      dates and the record dates for the interest payments;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any mandatory or
      optional redemption terms or prepayment, conversion, sinking fund or
      exchangeability or convertibility provisions;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the currency of
      denomination of the securities;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the place where we
      will pay principal, premium, if any, and interest, if any, and the place
      where the debt securities may be presented for transfer;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>if payments of
      principal of, premium, if any, or interest, if any, on the debt securities
      will be made in one or more currencies or currency units other than that
      or those in which the debt securities are denominated, the manner in which
      the exchange rate with respect to these payments will be
      determined;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>if other than
      denominations of $1,000 or multiples of $1,000, the denominations the debt
      securities will be issued in;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>whether the debt
      securities will be issued in the form of global securities or
      certificates;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the applicability of
      and additional provisions, if any, relating to the defeasance of the debt
      securities;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the portion of
      principal amount of the debt securities payable upon declaration of
      acceleration of the maturity date, if other than the entire principal
      amount;</FONT></P></TD></TR></TABLE>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the currency or
      currencies, if other than the currency of the United States, in which
      principal and interest will be paid;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the dates on which
      premium, if any, will be paid;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any addition to or
      change in the &#147;Events of Default&#148; described in this prospectus or in the
      indenture with respect to the debt securities and any change in the
      acceleration provisions described in this prospectus or in the indenture
      with respect to the debt securities;</FONT></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any addition to or
      change in the covenants described in the prospectus or in the indenture
      with respect to the debt securities;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>our right, if any, to
      defer payment of interest and the maximum length of this deferral period;
      and </FONT></P></TD></TR>
      <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>other specific terms,
      including any additional events of default or covenants.
  </FONT></P></TD></TR></TABLE>
      <P STYLE="text-align: center"><FONT face="Times New Roman" size=2>9</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may issue debt
securities at a discount below their stated principal amount. Even if we do not
issue the debt securities below their stated principal amount, for United States
federal income tax purposes the debt securities may be deemed to have been
issued with a discount because of certain interest payment characteristics. We
will describe in any applicable prospectus supplement the United States federal
income tax considerations applicable to debt securities issued at a discount or
deemed to be issued at a discount, and will describe any special United States
federal income tax considerations that may be applicable to the particular debt
securities.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may structure one or
more series of subordinated securities so that they qualify as capital under
federal regulations applicable to bank holding companies. We may adopt this
structure whether or not those regulations may be applicable to us at the time
of issuance.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The debt securities will
represent our general unsecured obligations. We are a holding company and
ConnectOne Bancorp&#146;s operating assets are owned by our subsidiaries. We rely
primarily on dividends from such subsidiaries to meet our obligations. We are a
legal entity separate and distinct from our subsidiaries. The principal sources
of our income are dividends and interest from the Bank. The Bank is subject to
restrictions imposed by federal law on any extensions of credit to, and certain
other transactions with, us and certain other affiliates, and on investments in
stock or other securities thereof. In addition, payment of dividends to us by
the Bank is subject to ongoing review by banking regulators. Because we are a
holding company, our right to participate in any distribution of assets of any
subsidiary upon the subsidiary&#146;s liquidation or reorganization or otherwise is
subject to the prior claims of creditors of the subsidiary, except to the extent
we may ourselves be recognized as a creditor of that subsidiary. Accordingly,
the debt securities will be effectively subordinated to all existing and future
liabilities, including deposits, of our subsidiaries, and holders of the debt
securities should look only to our assets for payments on the debt securities.
The indenture does not limit the incurrence or issuance of our secured or
unsecured debt including senior indebtedness.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Senior
Debt</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Senior debt securities will
rank equally and pari passu with all of our other unsecured and unsubordinated
debt from time to time outstanding.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Subordinated
Debt</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The indenture does not
limit our ability to issue subordinated debt securities. Any subordination
provisions of a particular series of debt securities will be set forth in the
supplemental indenture, board resolution or officers&#146; certificate related to
that series of debt securities and will be described in the relevant prospectus
supplement.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If this prospectus is being
delivered in connection with a series of subordinated debt securities, the
accompanying prospectus supplement or the information incorporated by reference
in this prospectus will set forth the approximate amount of senior indebtedness
outstanding as of the end of the most recent fiscal quarter.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Conversion or Exchange
Rights</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Debt securities may be
convertible into or exchangeable for our property. The terms and conditions of
conversion or exchange will be set forth in the supplemental indenture, board
resolution or officers&#146; certificate related to that series of debt securities
and will be described in the relevant prospectus supplement. The terms will
include, among others, the following:</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the conversion or
      exchange price;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the conversion or
      exchange period;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>provisions regarding
      our ability or the ability of the holder to convert or exchange the debt
      securities;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>events requiring
      adjustment to the conversion or exchange price; and</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>provisions affecting
      conversion or exchange in the event of our redemption of the debt
      securities. </FONT></P></TD></TR></TABLE>
      <P STYLE="text-align: center"><FONT face="Times New Roman" size=2>10</FONT></P>
<HR align=center width="100%" noShade SIZE=2>



<DIV style="PAGE-BREAK-BEFORE: always"></DIV>


<BR>
<P align=left><B><FONT face="Times New Roman" size=2>Merger, Consolidation or
Sale of Assets</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>The
indenture prohibits us from merging into or consolidating with any other person
or selling, leasing or conveying substantially all of our assets and the assets
of our subsidiaries, taken as a whole, to any person, unless:</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%"><FONT face="Times New Roman" size=2>either we
      are the continuing corporation or the successor corporation or the person
      which acquires by sale, lease or conveyance substantially all our or our
      subsidiaries&#146; assets is a corporation organized under the laws of the
      United States, any state thereof, or the District of Columbia, and
      expressly assumes the due and punctual payment of the principal of, and
      premium, if any, and interest, if any, on all the debt securities and the
      due performance of every covenant of the indenture to be performed or
      observed by us, by supplemental indenture satisfactory to the trustee,
      executed and delivered to the trustee by such
  corporation;&nbsp;</FONT></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%"><FONT face="Times New Roman" size=2>immediately
      after giving effect to such transactions, no Event of Default described
      under the caption &#147;Events of Default and Remedies&#148; below or event which,
      after notice or lapse of time or both would become an Event of Default,
      has happened and is continuing; and&nbsp;</FONT></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%"><FONT face="Times New Roman" size=2>we have
      delivered to the trustee an officers&#146; certificate and an opinion of
      counsel each stating that such transaction and such supplemental indenture
      comply with the indenture provisions relating to merger, consolidation and
      sale of assets. </FONT></TD></TR></TABLE>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Upon
any consolidation or merger with or into any other person or any sale,
conveyance, lease, or other transfer of all or substantially all of our or our
subsidiaries&#146; assets to any person, the successor person shall succeed, and be
substituted for, us under the indenture and each series of outstanding debt
securities, and we shall be relieved of all obligations under the indenture and
each series of outstanding debt securities to the extent we were the predecessor
person.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Events of Default and
Remedies</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>When
we use the term &#147;Event of Default&#148; in the indenture with respect to the debt
securities of any series, we mean:</FONT></P>
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  <TR>
    <TD vAlign=top noWrap>&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>default in paying
      interest on the debt securities when it becomes due and the default
      continues for a period of 30 days or more;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(2)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>default in paying
      principal, or premium, if any, on the debt securities when
  due;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(3)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>default is made in
      the payment of any sinking or purchase fund or analogous obligation when
      the same becomes due, and such default continues for 30 days or
      more;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(4)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>default in the
      performance, or breach, of any covenant or warranty in the indenture
      (other than defaults specified in clause (1), (2) or (3) above) and the
      default or breach continues for a period of 60 days or more after we
      receive written notice of such default from the trustee or we and the
      trustee receive notice from the holders of at least 25% in aggregate
      principal amount of the outstanding debt securities of the
    series;</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(5)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>certain events of
      bankruptcy, insolvency, reorganization, administration or similar
      proceedings with respect to us have occurred; and</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(6)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>any other Event of
      Default provided with respect to debt securities of that series that is
      set forth in the applicable prospectus supplement accompanying this
      prospectus.</FONT></TD></TR></TABLE>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>No
Event of Default with respect to a particular series of debt securities (except
as to certain events of bankruptcy, insolvency or reorganization) necessarily
constitutes an Event of Default with respect to any other series of debt
securities. The occurrence of certain Events of Default or an acceleration under
the indenture may constitute an event of default under certain of our other
indebtedness that we may have outstanding from time to time. Unless otherwise
provided by the terms of an applicable series of debt securities, if an Event of
Default under the indenture occurs with respect to the debt securities of any
series and is continuing, then the trustee or the holders of not less than 51%
of the aggregate principal amount of the outstanding debt securities of that
series may by written notice require us to repay immediately the entire
principal amount of the outstanding debt securities of that series (or such
lesser amount as may be provided in the terms of the securities), together with
all accrued and unpaid interest and premium, if any. In the case of an Event of
Default resulting from certain events of bankruptcy, insolvency or
reorganization, the principal (or such specified amount) of and accrued and
unpaid interest, if any, on all outstanding debt securities will become and be
immediately due and payable without any declaration or other act on the part of
the trustee or any holder of outstanding debt securities. We refer you to the
prospectus supplement relating to any series of debt securities that are
discount securities for the particular provisions relating to acceleration of a
portion of the principal amount of such discount securities upon the occurrence
of an Event of Default.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>11</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>After a declaration of acceleration, the holders of a majority in
aggregate principal amount of outstanding debt securities of any series may
rescind this accelerated payment requirement if all existing Events of Default,
except for nonpayment of the principal on the debt securities of that series
that has become due solely as a result of the accelerated payment requirement,
have been cured or waived and if the rescission of acceleration would not
conflict with any judgment or decree. The holders of a majority in aggregate
principal amount of the outstanding debt securities of any series also have the
right to waive past defaults, except a default in paying principal or interest
on any outstanding debt security, or in respect of a covenant or a provision
that cannot be modified or amended without the consent of all holders of the
debt securities of that series.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>No
holder of any debt security may seek to institute a proceeding with respect to
the indenture unless such holder has previously given written notice to the
trustee of a continuing Event of Default, the holders of not less than 51% in
aggregate principal amount of the outstanding debt securities of the series have
made a written request to the trustee to institute proceedings in respect of the
Event of Default, the holder or holders have offered reasonable indemnity to the
trustee and the trustee has failed to institute such proceeding within 60 days
after it received this notice. In addition, within this 60-day period the
trustee must not have received directions inconsistent with this written request
by holders of a majority in aggregate principal amount of the outstanding debt
securities of that series. These limitations do not apply, however, to a suit
instituted by a holder of a debt security for the enforcement of the payment of
principal, interest or any premium on or after the due dates for such
payment.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>During the existence of an Event of Default actually known to a
responsible officer of the trustee, the trustee is required to exercise the
rights and powers vested in it under the indenture and use the same degree of
care and skill in its exercise as a prudent person would under the circumstances
in the conduct of that person&#146;s own affairs. If an Event of Default has occurred
and is continuing, the trustee is not under any obligation to exercise any of
its rights or powers at the request or direction of any of the holders unless
the holders have offered to the trustee security or indemnity reasonably
satisfactory to the trustee. Subject to certain provisions, the holders of a
majority in aggregate principal amount of the outstanding debt securities of any
series have the right to direct the time, method and place of conducting any
proceeding for any remedy available to the trustee, or exercising any trust, or
power conferred on the trustee.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>The
trustee will, within 90 days after receiving notice of any default, give notice
of the default to the holders of the debt securities of that series, unless the
default was already cured or waived. Unless there is a default in paying
principal, interest or any premium when due, the trustee can withhold giving
notice to the holders if it determines in good faith that the withholding of
notice is in the interest of the holders. In the case of a default specified in
clause (4) above describing Events of Default, no notice of default to the
holders of the debt securities of that series will be given until 60 days after
the occurrence of the event of default.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>The
indenture requires us, within 120 days after the end of our fiscal year, to
furnish to the trustee a statement as to compliance with the indenture. The
indenture provides that the trustee may withhold notice to the holders of debt
securities of any series of any Event of Default (except in payment on any debt
securities of that series) with respect to debt securities of that series if it
in good faith determines that withholding notice is in the interest of the
holders of those debt securities.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Modification and
Waiver</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>The
indenture may be amended or modified without the consent of any holder of debt
securities in order to:</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>evidence a successor to
      the trustee;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>cure ambiguities,
      defects or inconsistencies; </FONT></P></TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>12</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>provide for the
      assumption of our obligations in the case of a merger or consolidation or
      transfer of all or substantially all of our assets that complies with the
      covenant described under &#147;&#151; Merger, Consolidation or Sale of Assets&#148;;
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>make any change that
      would provide any additional rights or benefits to the holders of the debt
      securities of a series; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>add guarantors or
      co-obligors with respect to the debt securities of any series;
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>secure the debt
      securities of a series; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>establish the form or
      forms of debt securities of any series; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>add additional Events of
      Default with respect to the debt securities of any series; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>add additional
      provisions as may be expressly permitted by the Trust Indenture Act;
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>maintain the
      qualification of the indenture under the Trust Indenture Act; or
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>make any change that
      does not adversely affect in any material respect the interests of any
      holder. </FONT></P></TD></TR></TABLE>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Other amendments and modifications of the indenture or the debt
securities issued may be made with the consent of the holders of not less than a
majority in aggregate principal amount of the outstanding debt securities of
each series affected by the amendment or modification. However, no modification
or amendment may, without the consent of the holder of each outstanding debt
security affected:</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>change the maturity date
      or the stated payment date of any payment of premium or interest payable
      on the debt securities; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>reduce the principal
      amount, or extend the fixed maturity, of the debt securities;
    </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>change the method of
      computing the amount of principal or any interest of any debt security;
      </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>change or waive the
      redemption or repayment provisions of the debt securities; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>change the currency in
      which principal, any premium or interest is paid or the place of payment;
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>reduce the percentage in
      principal amount outstanding of debt securities of any series which must
      consent to an amendment, supplement or waiver or consent to take any
      action; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>impair the right to
      institute suit for the enforcement of any payment on the debt securities;
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>waive a payment default
      with respect to the debt securities; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>reduce the interest rate
      or extend the time for payment of interest on the debt securities;
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>adversely affect the
      ranking or priority of the debt securities of any series; or
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>release any guarantor or
      co-obligor from any of its obligations under its guarantee or the
      indenture, except in compliance with the terms of the
    indenture.</FONT></P></TD></TR></TABLE>
<P align=left><B><FONT face="Times New Roman" size=2>Satisfaction, Discharge and
Covenant Defeasance</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>We
may terminate our obligations under the indenture with respect to the
outstanding debt securities of any series, when:</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>either:
  </FONT></P></TD></TR></TABLE>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 30pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>all debt securities of
      any series issued that have been authenticated and delivered have been
      delivered to the trustee for cancellation; or </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 30pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>all the debt securities
      of any series issued that have not been delivered to the trustee for
      cancellation have become due and payable, will become due and payable
      within one year, or are to be called for redemption within one year and we
      have made arrangements satisfactory to the trustee for the giving of
      notice of redemption by such trustee in our name and at our expense, and
      in each case, we have irrevocably deposited or caused to be deposited with
      the trustee sufficient funds to pay and discharge the entire indebtedness
      on the series of debt securities; and </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR></TABLE>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>we have paid or caused
      to be paid all other sums then due and payable under the indenture; and
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>we have delivered to the
      trustee an officers&#146; certificate and an opinion of counsel, each stating
      that all conditions precedent under the indenture relating to the
      satisfaction and discharge of the indenture have been complied with.
      </FONT></P></TD></TR></TABLE>

<P align=center><FONT face="Times New Roman" size=2>13</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>We
may elect to have our obligations under the indenture discharged with respect to
the outstanding debt securities of any series (&#147;legal defeasance&#148;). Legal
defeasance means that we will be deemed to have paid and discharged the entire
indebtedness represented by the outstanding debt securities of such series under
the indenture, except for:</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the rights of holders of
      the debt securities to receive principal, interest and any premium when
      due; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>our obligations with
      respect to the debt securities concerning issuing temporary debt
      securities, registration of transfer of debt securities, mutilated,
      destroyed, lost or stolen debt securities and the maintenance of an office
      or agency for payment for security payments held in trust; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the rights, powers,
      trusts, duties and immunities of the trustee; and </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the defeasance
      provisions of the indenture.</FONT></P></TD></TR></TABLE>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>In
addition, we may elect to have our obligations released with respect to certain
covenants in the indenture (&#147;covenant defeasance&#148;). If we so elect, any failure
to comply with these obligations will not constitute a default or an event of
default with respect to the debt securities of any series. In the event covenant
defeasance occurs, certain events, not including non-payment, bankruptcy and
insolvency events, described under &#147;Events of Default and Remedies,&#148; will no
longer constitute an event of default for that series. </FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>In
order to exercise either legal defeasance or covenant defeasance with respect to
outstanding debt securities of any series, we must irrevocably have deposited or
caused to be deposited with the trustee as trust funds for the purpose of making
the following payments, specifically pledged as security for, and dedicated
solely to the benefits of the holders of the debt securities of a
series:</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>money in an amount; or
      </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>U.S. government
      obligations (or equivalent government obligations in the case of debt
      securities denominated in other than U.S. dollars or a specified currency)
      that will provide, not later than one day before the due date of any
      payment, money in an amount; or </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>a combination of money
      and U.S. government obligations (or equivalent government obligations, as
      applicable),</FONT></P></TD></TR></TABLE>
<P align=left><FONT face="Times New Roman" size=2>in each case sufficient, in
the written opinion (with respect to U.S. or equivalent government obligations
or a combination of money and U.S. or equivalent government obligations, as
applicable) of a nationally recognized firm of independent public accountants to
pay and discharge, and which shall be applied by the trustee to pay and
discharge, all of the principal (including mandatory sinking fund payments),
interest and any premium at due date or maturity;</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>in the case of legal
      defeasance, we have delivered to the trustee an opinion of counsel stating
      that, under then applicable federal income tax law, the holders of the
      debt securities of that series will not recognize income, gain or loss for
      federal income tax purposes as a result of the deposit, defeasance and
      discharge to be effected and will be subject to the same federal income
      tax as would be the case if the deposit, defeasance and discharge did not
      occur; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>in the case of covenant
      defeasance, we have delivered to the trustee an opinion of counsel to the
      effect that the holders of the debt securities of that series will not
      recognize income, gain or loss for federal income tax purposes as a result
      of the deposit and covenant defeasance to be effected and will be subject
      to the same federal income tax as would be the case if the deposit and
      covenant defeasance did not occur; </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>no event of default or
      default with respect to the outstanding debt securities of that series has
      occurred and is continuing at the time of such deposit after giving effect
      to the deposit or, in the case of legal defeasance, no default relating to
      bankruptcy or insolvency has occurred and is continuing at any time on or
      before the 91st day after the date of such deposit, it being understood
      that this condition is not deemed satisfied until after the 91st day;
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the legal defeasance or
      covenant defeasance will not cause the trustee to have a conflicting
      interest within the meaning of the Trust Indenture Act, assuming all debt
      securities of a series were in default within the meaning of such Act;
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the legal defeasance or
      covenant defeasance will not result in a breach or violation of, or
      constitute a default under, any other agreement or instrument to which we
      are a party;</FONT></P></TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>14</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>if prior to the stated
      maturity date, notice shall have been given in accordance with the
      provisions of the indenture; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the legal defeasance or
      covenant defeasance will not result in the trust arising from such deposit
      constituting an investment company within the meaning of the Investment
      Company Act of 1940, as amended, unless the trust is registered under such
      Act or exempt from registration; and </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>we have delivered to the
      trustee an officers&#146; certificate and an opinion of counsel stating that
      all conditions precedent with respect to the legal defeasance or covenant
      defeasance have been complied with. </FONT></P></TD></TR></TABLE>
<P align=left><B><FONT face="Times New Roman" size=2>Covenants</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>We
will set forth in the applicable prospectus supplement any restrictive covenants
applicable to any issue of debt securities.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Paying Agent and
Registrar</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>The
trustee will initially act as paying agent and registrar for all debt
securities. We may change the paying agent or registrar for any series of debt
securities without prior notice, and we or any of our subsidiaries may act as
paying agent or registrar.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Forms of
Securities</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Each
debt security will be represented either by a certificate issued in definitive
form to a particular investor or by one or more global securities representing
the entire issuance of the series of debt securities. Certificated securities
will be issued in definitive form and global securities will be issued in
registered form. Definitive securities name you or your nominee as the owner of
the security, and in order to transfer or exchange these securities or to
receive payments other than interest or other interim payments, you or your
nominee must physically deliver the securities to the trustee, registrar, paying
agent or other agent, as applicable. Global securities name a depositary or its
nominee as the owner of the debt securities represented by these global
securities. The depositary maintains a computerized system that will reflect
each investor&#146;s beneficial ownership of the securities through an account
maintained by the investor with its broker/dealer, bank, trust company or other
representative, as we explain more fully below.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Global
Securities</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>We
may issue the registered debt securities in the form of one or more fully
registered global securities that will be deposited with a depositary or its
custodian identified in the applicable prospectus supplement and registered in
the name of that depositary or its nominee. In those cases, one or more
registered global securities will be issued in a denomination or aggregate
denominations equal to the portion of the aggregate principal or face amount of
the securities to be represented by registered global securities. Unless and
until it is exchanged in whole for securities in definitive registered form, a
registered global security may not be transferred except as a whole by and among
the depositary for the registered global security, the nominees of the
depositary or any successors of the depositary or those nominees.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>If
not described below, any specific terms of the depositary arrangement with
respect to any securities to be represented by a registered global security will
be described in the prospectus supplement relating to those securities. We
anticipate that the following provisions will apply to all depositary
arrangements.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Ownership of beneficial interests in a registered global security will be
limited to persons, called participants, that have accounts with the depositary
or persons that may hold interests through participants. Upon the issuance of a
registered global security, the depositary will credit, on its book-entry
registration and transfer system, the participants&#146; accounts with the respective
principal or face amounts of the securities beneficially owned by the
participants. Any dealers, underwriters or agents participating in the
distribution of the securities will designate the accounts to be credited.
Ownership of beneficial interests in a registered global security will be shown
on, and the transfer of ownership interests will be effected only through,
records maintained by the depositary, with respect to interests of participants,
and on the records of participants, with respect to interests of persons holding
through participants. The laws of some states may require that some purchasers
of securities take physical delivery of these securities in definitive form.
These laws may impair your ability to own, transfer or pledge beneficial
interests in registered global securities.&nbsp;</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>15</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>So long as the depositary, or
its nominee, is the registered owner of a registered global security, that
depositary or its nominee, as the case may be, will be considered the sole owner
or holder of the securities represented by the registered global security for
all purposes under the indenture. Except as described below, owners of
beneficial interests in a registered global security will not be entitled to
have the securities represented by the registered global security registered in
their names, will not receive or be entitled to receive physical delivery of the
securities in definitive form and will not be considered the owners or holders
of the securities under the indenture. Accordingly, each person owning a
beneficial interest in a registered global security must rely on the procedures
of the depositary for that registered global security and, if that person is not
a participant, on the procedures of the participant through which the person
owns its interest, to exercise any rights of a holder under the indenture. We
understand that under existing industry practices, if we request any action of
holders or if an owner of a beneficial interest in a registered global security
desires to give or take any action that a holder is entitled to give or take
under the indenture, the depositary for the registered global security would
authorize the participants holding the relevant beneficial interests to give or
take that action, and the participants would authorize beneficial owners owning
through them to give or take that action or would otherwise act upon the
instructions of beneficial owners holding through them.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Principal, premium, if any,
and interest payments on debt securities represented by a registered global
security registered in the name of a depositary or its nominee will be made to
the depositary or its nominee, as the case may be, as the registered owner of
the registered global security. Neither we nor the trustee or any other agent of
ours or the trustee will have any responsibility or liability for any aspect of
the records relating to payments made on account of beneficial ownership
interests in the registered global security or for maintaining, supervising or
reviewing any records relating to those beneficial ownership
interests.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We expect that the depositary
for any of the securities represented by a registered global security, upon
receipt of any payment of principal, premium, interest or other distribution of
underlying securities or other property to holders on that registered global
security, will immediately credit participants&#146; accounts in amounts
proportionate to their respective beneficial interests in that registered global
security as shown on the records of the depositary. We also expect that payments
by participants to owners of beneficial interests in a registered global
security held through participants will be governed by standing customer
instructions and customary practices, as is now the case with the securities
held for the accounts of customers in bearer form or registered in &#147;street
name,&#148; and will be the responsibility of those participants.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If the depositary for any of
these securities represented by a registered global security is at any time
unwilling or unable to continue as depositary or ceases to be a clearing agency
registered under the Exchange Act, and a successor depositary registered as a
clearing agency under the Exchange Act is not appointed by us within 90 days, we
will issue securities in definitive form in exchange for the registered global
security that had been held by the depositary. Any securities issued in
definitive form in exchange for a registered global security will be registered
in the name or names that the depositary gives to the trustee or other relevant
agent of ours or theirs. It is expected that the depositary&#146;s instructions will
be based upon directions received by the depositary from participants with
respect to ownership of beneficial interests in the registered global security
that had been held by the depositary.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Unless we state otherwise in a
prospectus supplement, the Depository Trust Company (&#147;DTC&#148;) will act as
depositary for each series of debt securities issued as global securities. DTC
has advised us that DTC is a limited-purpose trust company created to hold
securities for its participating organizations (collectively, the
&#147;Participants&#148;) and to facilitate the clearance and settlement of transactions
in those securities between Participants through electronic book-entry changes
in accounts of its Participants. The Participants include securities brokers and
dealers, banks, trust companies, clearing corporations and certain other
organizations. Access to DTC&#146;s system is also available to other entities such
as banks, brokers, dealers and trust companies that clear through or maintain a
custodial relationship with a Participant, either directly or indirectly
(collectively, the &#147;Indirect Participants&#148;). Persons who are not Participants
may beneficially own securities held by or on behalf of DTC only through the
Participants or the Indirect Participants. The ownership interests in, and
transfers of ownership interests in, each security held by or on behalf of DTC
are recorded on the records of the Participants and the Indirect
Participants.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>16</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Governing
Law</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>The
indenture and each series of debt securities are governed by, and construed in
accordance with, the laws of the State of New York.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>DESCRIPTION OF DEPOSITARY
SHARES</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>We
summarize below some of the provisions that will apply to depositary shares
unless the applicable prospectus supplement provides otherwise. This summary may
not contain all information that is important to you. The complete terms of the
depositary shares will be contained in the depositary agreement and depositary
receipt applicable to any depositary shares. These documents have been or will
be included or incorporated by reference as exhibits to the registration
statement of which this prospectus is a part. You should read the depositary
agreement and the depositary receipt. You should also read the prospectus
supplement, which will contain additional information and which may update or
change some of the information below.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>General</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>We
may offer fractional shares of preferred stock, rather than full shares of
preferred stock. If we do so, we may issue receipts for depositary shares that
each represent a fraction of a share of a particular series of preferred stock.
The prospectus supplement will indicate that fraction. The shares of preferred
stock represented by depositary shares will be deposited under a depositary
agreement between us and a bank or trust company that meets certain requirements
and is selected by us, which we refer to as the &#147;bank depositary.&#148; Each owner of
a depositary share will be entitled to all the rights and preferences of the
preferred stock represented by the depositary share. The depositary shares will
be evidenced by depositary receipts issued pursuant to the depositary agreement.
Depositary receipts will be distributed to those persons purchasing the
fractional shares of preferred stock in accordance with the terms of the
offering.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>The
following summary description of certain common provisions of a depositary
agreement and the related depositary receipts and any summary description of the
depositary agreement and depositary receipts in the applicable prospectus
supplement do not purport to be complete and are qualified in their entirety by
reference to all of the provisions of such depositary agreement and depositary
receipts. The forms of the depositary agreement and the depositary receipts
relating to any particular issue of depositary shares will be filed with the SEC
each time we issue depositary shares, and you should read those documents for
provisions that may be important to you.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Dividends and Other
Distributions</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>If
we pay a cash distribution or dividend on a series of preferred stock
represented by depositary shares, the bank depositary will distribute such
dividends to the record holders of such depositary shares. If the distributions
are in property other than cash, the bank depositary will distribute the
property to the record holders of the depositary shares. However, if the bank
depositary determines that it is not feasible to make the distribution of
property, the bank depositary may, with our approval, sell such property and
distribute the net proceeds from such sale to the record holders of the
depositary shares.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Redemption of Depositary
Shares</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>If
we redeem a series of preferred stock represented by depositary shares, the bank
depositary will redeem the depositary shares from the proceeds received by the
bank depositary in connection with the redemption. The redemption price per
depositary share will equal the applicable fraction of the redemption price per
share of the preferred stock. If fewer than all the depositary shares are
redeemed, the depositary shares to be redeemed will be selected by lot or pro
rata as the bank depositary may determine.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Voting the Preferred
Stock</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Upon
receipt of notice of any meeting at which the holders of the preferred stock
represented by depositary shares are entitled to vote, the bank depositary will
mail the notice to the record holder of the depositary shares relating to such
preferred stock. Each record holder of these depositary shares on the record
date, which will be the same date as the record date for the preferred stock,
may instruct the bank depositary as to how to vote the preferred stock
represented by such holder&#146;s depositary shares. The bank depositary will
endeavor, insofar as practicable, to vote the amount of the preferred stock
represented by such depositary shares in accordance with such instructions, and
we will take all action that the bank depositary deems necessary in order to
enable the bank depositary to do so. The bank depositary will abstain from
voting shares of the preferred stock to the extent it does not receive specific
instructions from the holders of depositary shares representing such preferred
stock.&nbsp;</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>17</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Amendment and Termination
of the Depositary Agreement</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Unless otherwise provided in the applicable prospectus supplement or
required by law, the form of depositary receipt evidencing the depositary shares
and any provision of the depositary agreement may be amended by agreement
between the bank depositary and us. The depositary agreement may be terminated
by the bank depositary or us only if:</FONT></P>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>all outstanding
      depositary shares have been redeemed, or </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>there has been a final
      distribution in respect of the preferred stock in connection with the
      liquidation, dissolution or winding up of our company, and such
      distribution has been distributed to the holders of depositary
      receipts.</FONT></P></TD></TR></TABLE>
<P align=left><B><FONT face="Times New Roman" size=2>Charges of Bank
Depositary</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>We
will pay all transfer and other taxes and governmental charges arising solely
from the existence of the depositary arrangements. We will pay charges of the
bank depositary in connection with the initial deposit of the preferred stock
and any redemption of the preferred stock. Holders of depositary receipts will
pay other transfer and other taxes and governmental charges and any other
charges, including a fee for the withdrawal of shares of preferred stock upon
surrender of depositary receipts, as are expressly provided in the depositary
agreement for their accounts.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Withdrawal of Preferred
Stock</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Except as may be provided otherwise in the applicable prospectus
supplement, upon surrender of depositary receipts at the principal office of the
bank depositary, subject to the terms of the deposit agreement, the owner of the
depositary shares may demand delivery of the number of whole shares of preferred
stock and all money and other property, if any, represented by those depositary
shares. Partial or fractional shares of preferred stock will not be issued. If
the depositary receipts delivered by the holders evidence a number of depositary
shares in excess of the number of depositary shares representing the number of
whole shares of preferred stock to be withdrawn, the bank depositary will
deliver to such holder at the same time a new depositary receipt evidencing the
excess number of depositary shares. Holders of preferred stock thus withdrawn
may not thereafter deposit those shares under the depositary agreement or
receive depositary receipts evidencing depositary shares therefor.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Miscellaneous</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>The
bank depositary will forward to holders of depositary receipts all reports and
communications from us that are delivered to the bank depositary and that we are
required to furnish to the holders of the preferred stock.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Neither the bank depositary nor we will be liable if we are prevented or
delayed by law or any circumstance beyond our control in performing our
obligations under the depositary agreement. The obligations of the bank
depositary and us under the depositary agreement will be limited to performance
in good faith of our duties thereunder, and we will not be obligated to
prosecute or defend any legal proceeding in respect of any depositary shares or
preferred stock unless satisfactory indemnity is furnished. We may rely upon
written advice of counsel or accountants, or upon information provided by
persons presenting preferred stock for deposit, holders of depositary receipts
or other persons believed to be competent and on documents believed to be
genuine.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>18</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Resignation and Removal of
Bank Depositary</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>The
bank depositary may resign at any time by delivering to us notice of its
election to do so, and we may at any time remove the bank depositary. Any such
resignation or removal will take effect upon the appointment of a successor bank
depositary and its acceptance of such appointment. The successor bank depositary
must be appointed within 60 days after delivery of the notice of resignation or
removal and must be a bank or trust company meeting the requirements of the
depositary agreement.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>DESCRIPTION OF
UNITS</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>We
may issue units comprised of one or more of the other securities described in
this prospectus in any combination. Each unit will be issued so that the holder
of the unit is also the holder of each security included in the unit. Thus, the
holder of a unit will have the rights and obligations of a holder of each
included security. The unit agreement under which a unit is issued may provide
that the securities included in the unit may not be held or transferred
separately, at any time or at any time before a specified date. The applicable
prospectus supplement may describe:</FONT></P>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the designation and
      terms of the units and of the securities comprising the units, including
      whether and under what circumstances those securities may be held or
      transferred separately; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any provisions for the
      issuance, payment, settlement, transfer or exchange of the units or of the
      securities comprising the units; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the terms of the unit
      agreement governing the units;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>United States federal
      income tax considerations relevant to the units; and </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>whether the units will
      be issued in fully registered global form.</FONT></P></TD></TR></TABLE>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>This
summary of certain general terms of units and any summary description of units
in the applicable prospectus supplement do not purport to be complete and are
qualified in their entirety by reference to all provisions of the applicable
unit agreement and, if applicable, collateral arrangements and depositary
arrangements relating to such units. The forms of the unit agreements and other
documents relating to a particular issue of units will be filed with the SEC
each time we issue units, and you should read those documents for provisions
that may be important to you.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>PLAN OF
DISTRIBUTION</FONT></B></P>
<P align=left><B><FONT face="Times New Roman" size=2>Initial Offering and Sale
of Securities</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Unless otherwise set forth in a prospectus supplement accompanying this
prospectus, we, and certain holders of our securities, may sell the securities
being offered hereby, from time to time, by one or more of the following
methods:</FONT></P>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to or through
      underwriting syndicates represented by managing
  underwriters;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>through one or more
      underwriters without a syndicate for them to offer and sell to the public;
      </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>through dealers or
      agents; and </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to investors directly in
      negotiated sales or in competitively bid
  transactions.</FONT></P></TD></TR></TABLE>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Offerings of securities covered by this prospectus also may be made into
an existing trading market for those securities in transactions at other than a
fixed price, either:</FONT></P>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>on or through the
      facilities of the NASDAQ or any other securities exchange or quotation or
      trading service on which those securities may be listed, quoted, or traded
      at the time of sale; and/or </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to or through a market
      maker otherwise than on the securities exchanges or quotation or trading
      services set forth above.</FONT></P></TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>19</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Those at-the-market offerings, if any, will be conducted by underwriters
acting as principal or agent of the Company, who may also be third-party sellers
of securities as described above. The prospectus supplement with respect to the
offered securities will set forth the terms of the offering of the offered
securities, including:</FONT></P>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the name or names of any
      underwriters, dealers or agents; </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the purchase price of
      the offered securities and the proceeds to us from such
  sale;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any underwriting
      discounts and commissions or agency fees and other items constituting
      underwriters&#146; or agents&#146; compensation, provided that such compensation
      shall not exceed 8% of any offering proceeds as calculated pursuant to
      applicable rules of the Financial Industry Regulatory Authority, or FINRA;
      </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any initial public
      offering price and any discounts or concessions allowed or reallowed or
      paid to dealers; and </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any securities exchange
      on which such offered securities may be
listed.</FONT></P></TD></TR></TABLE>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Any
underwriter, agent or dealer involved in the offer and sale of any series of the
securities will be named in the prospectus supplement.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>The
distribution of the securities may be effected from time to time in one or more
transactions: </FONT></P>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>at fixed prices, which
      may be changed; </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>at market prices
      prevailing at the time of the sale; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>at varying prices
      determined at the time of sale; or </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>at negotiated
      prices.</FONT></P></TD></TR></TABLE>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Each
prospectus supplement will set forth the manner and terms of an offering of
securities including: </FONT></P>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>whether that offering is
      being made by us, or certain holders of our securities; </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>whether that offering is
      being made to underwriters or through agents or directly;
</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the rules and procedures
      for any auction or bidding process, if used; </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the securities&#146; purchase
      price or initial public offering price; and </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the proceeds we
      anticipate from the sale of the securities, if
  any.</FONT></P></TD></TR></TABLE>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>In
addition, we may enter into derivative or hedging transactions with third
parties, or sell securities not covered by this prospectus to third parties in
privately negotiated transactions. If the applicable prospectus supplement
indicates, in connection with such a transaction, the third parties may sell
securities covered by and pursuant to this prospectus and an applicable
prospectus supplement. If so, the third party may use securities pledged by us
or borrowed from us or others to settle such sales and may use securities
received from us to close out any related short positions. We may also loan or
pledge securities covered by this prospectus and an applicable prospectus
supplement to third parties, who may sell the loaned securities or, in an event
of default in the case of a pledge, sell the pledged securities pursuant to this
prospectus and the applicable prospectus supplement.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Sales Through
Underwriters</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>If
underwriters are used in the sale of some or all of the securities covered by
this prospectus, the underwriters will acquire the securities for their own
account. The underwriters may resell the securities, either directly to the
public or to securities dealers, at various times in one or more transactions,
including negotiated transactions, at a fixed public offering price or at
varying prices determined at the time of sale. The obligations of the
underwriters to purchase the securities will be subject to certain conditions.
Unless indicated otherwise in a prospectus supplement, the underwriters will be
obligated to purchase all the securities of the series offered if any of the
securities are purchased.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Any
initial public offering price and any concessions allowed or reallowed to
dealers may be changed intermittently.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>20</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><B><FONT face="Times New Roman" size=2>Sales Through
Agents</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Unless otherwise indicated in the applicable prospectus supplement, when
securities are sold through an agent, the designated agent will agree, for the
period of its appointment as agent, to use its best efforts to sell the
securities for our account and will receive commissions from us as will be set
forth in the applicable prospectus supplement.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Securities bought in accordance with a redemption or repayment under
their terms also may be offered and sold, if so indicated in the applicable
prospectus supplement, in connection with a remarketing by one or more firms
acting as principals for their own accounts or as agents for us. Any remarketing
firm will be identified and the terms of its agreement, if any, with us and its
compensation will be described in the prospectus supplement. Remarketing firms
may be deemed to be underwriters in connection with the securities remarketed by
them.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>If
so indicated in the applicable prospectus supplement, we may authorize agents,
underwriters or dealers to solicit offers by certain specified institutions to
purchase securities at a price set forth in the prospectus supplement pursuant
to delayed delivery contracts providing for payment and delivery on a future
date specified in the prospectus supplement. These contracts will be subject
only to those conditions set forth in the applicable prospectus supplement, and
the prospectus supplement will set forth the commissions payable for
solicitation of these contracts.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Direct Sales</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>We
may also sell offered securities directly to institutional investors or others.
In this case, no underwriters or agents would be involved. The terms of such
sales will be described in the applicable prospectus supplement.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>General
Information</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Broker-dealers, agents or underwriters may receive compensation in the
form of discounts, concessions or commissions from us and/or the purchasers of
securities for whom such broker-dealers, agents or underwriters may act as
agents or to whom they sell as principal, or both (this compensation to a
particular broker-dealer might be in excess of customary
commissions).</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Underwriters, dealers and agents that participate in any distribution of
the offered securities may be deemed &#147;underwriters&#148; within the meaning of the
Securities Act, so any discounts or commissions they receive in connection with
the distribution may be deemed to be underwriting compensation. Those
underwriters and agents may be entitled, under their agreements with us, to
indemnification by us against certain civil liabilities, including liabilities
under the Securities Act, or to contribution by us to payments that they may be
required to make in respect of those civil liabilities. Certain of those
underwriters or agents may be customers of, engage in transactions with, or
perform services for, us or our affiliates in the ordinary course of business.
We will identify any underwriters or agents, and describe their compensation, in
a prospectus supplement. Any institutional investors or others that purchase
offered securities directly from us, and then resell the securities, may be
deemed to be underwriters, and any discounts or commissions received by them
from us and any profit on the resale of the securities by them may be deemed to
be underwriting discounts and commissions under the Securities Act.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>We
will file a supplement to this prospectus, if required, pursuant to Rule 424(b)
under the Securities Act, if we enter into any material arrangement with a
broker, dealer, agent or underwriter for the sale of securities through a block
trade, special offering, exchange distribution or secondary distribution or a
purchase by a broker or dealer. Such prospectus supplement will
disclose:</FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the name of any
      participating broker, dealer, agent or underwriter; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the number and type of
      securities involved; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the price at which such
      securities were sold; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any securities exchanges
      on which such securities may be listed;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the commissions paid or
      discounts or concessions allowed to any such broker, dealer, agent or
      underwriter where applicable; and </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>other facts material to
      the transaction.</FONT></P></TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>21</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>In
order to facilitate the offering of certain securities under this prospectus or
an applicable prospectus supplement, certain persons participating in the
offering of those securities may engage in transactions that stabilize, maintain
or otherwise affect the price of those securities during and after the offering
of those securities. Specifically, if the applicable prospectus supplement
permits, the underwriters of those securities may over-allot or otherwise create
a short position in those securities for their own account by selling more of
those securities than have been sold to them by us and may elect to cover any
such short position by purchasing those securities in the open
market.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>In
addition, the underwriters may stabilize or maintain the price of those
securities by bidding for or purchasing those securities in the open market and
may impose penalty bids, under which selling concessions allowed to syndicate
members or other broker-dealers participating in the offering are reclaimed if
securities previously distributed in the offering are repurchased in connection
with stabilization transactions or otherwise. The effect of these transactions
may be to stabilize or maintain the market price of the securities at a level
above that which might otherwise prevail in the open market. The imposition of a
penalty bid may also affect the price of securities to the extent that it
discourages resales of the securities. No representation is made as to the
magnitude or effect of any such stabilization or other transactions. Such
transactions, if commenced, may be discontinued at any time.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>In
order to comply with the securities laws of certain states, if applicable, the
securities must be sold in such jurisdictions only through registered or
licensed brokers or dealers. In addition, in certain states the securities may
not be sold unless they have been registered or qualified for sale in the
applicable state or an exemption from the registration or qualification
requirement is available and is complied with.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Rule
15c6-1 under the Securities Exchange Act of 1934 generally requires that trades
in the secondary market settle in three business days, unless the parties to any
such trade expressly agree otherwise. Your prospectus supplement may provide
that the original issue date for your securities may be more than three
scheduled business days after the trade date for your securities. Accordingly,
in such a case, if you wish to trade securities on any date prior to the third
business day before the original issue date for your securities, you will be
required, by virtue of the fact that your securities initially are expected to
settle in more than three scheduled business days after the trade date for your
securities, to make alternative settlement arrangements to prevent a failed
settlement.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>This
prospectus, the applicable prospectus supplement and any applicable pricing
supplement in electronic format may be made available on the Internet sites of,
or through other online services maintained by, us and/or one or more of the
agents and/or dealers participating in an offering of securities, or by their
affiliates. In those cases, prospective investors may be able to view offering
terms online and, depending upon the particular agent or dealer, prospective
investors may be allowed to place orders online.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Other than this prospectus, the applicable prospectus supplement and any
applicable pricing supplement in electronic format, the information on our or
any agent&#146;s or dealer&#146;s website and any information contained in any other
website maintained by any agent or dealer:</FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>is not part of this
      prospectus, the applicable prospectus supplement and any applicable
      pricing supplement or the registration statement of which they form a
      part; </FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>has not been approved or
      endorsed by us or by any agent or dealer in its capacity as an agent or
      dealer, except, in each case, with respect to the respective website
      maintained by such entity; and</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>should not be relied
      upon by investors.</FONT></P></TD></TR></TABLE>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>There can be no assurance that we will sell all or any of the securities
offered by this prospectus.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>This
prospectus may also be used in connection with any issuance of common stock or
preferred stock upon exercise of a warrant if such issuance is not exempt from
the registration requirements of the Securities Act.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>In
addition, we may issue the securities as a dividend or distribution or in a
subscription rights offering to our existing security holders. In some cases, we
or dealers acting with us or on our behalf may also purchase securities and
reoffer them to the public by one or more of the methods described above. This
prospectus may be used in connection with any offering of our securities through
any of these methods or other methods described in the applicable prospectus
supplement.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>22</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>INCORPORATION OF CERTAIN
DOCUMENTS BY REFERENCE</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>The
SEC allows us to &#147;incorporate by reference&#148; into this prospectus the information
we have filed with the SEC, which means that we can disclose important
information to you by referring you to those documents. Any information that we
file subsequently with the SEC will automatically update this prospectus. We
incorporate by reference into this prospectus the information contained in the
documents listed below, which is considered to be a part of this
prospectus:</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>our Proxy Statement on
      Schedule 14A filed on April 26, 2016;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>our Annual Report on
      Form 10-K for the year ended December 31, 2015;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>our Quarterly Reports on
      Form 10-Q for the quarters ended March 31, 2016, June 30, 2016; and
      September 30, 2016; </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>our Current Reports on
      Form 8-K filed with the SEC on January 28, 2016, January 28, 2016, March
      8, 2016, March 25, 2016, March 29, 2016, April 27, 2016, April 28, 2016,
      May 5, 2016, May 6, 2016, May 19, 2016, June 29, 2016, July 25, 2016,
      August 2, 2016, September 7, 2016, September 21, 2016, October 26, 2016,
      November 15, 2016, and November 29, 2016 (except for the disclosures made
      under Item 2.02 or Item 7.01 of any such Current Report on Form 8-K,
      including the related exhibits, which are deemed furnished, and not filed,
      in accordance with the SEC&#146;s regulations); and </FONT><B><FONT face=Arial size=2></FONT></B></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the description of our
      common stock contained in the Registration Statement on Form 8-A filed on
      June 5, 1996 pursuant to Section 12(g) of the Exchange Act, and any
      further amendment or report filed thereafter for the purpose of updating
      such description.</FONT></P></TD></TR></TABLE>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>We
also incorporate by reference all documents we file under Sections 13(a), 13(c),
14 or 15(d) of the Exchange Act (a) after the initial filing date of the
registration statement of which this prospectus is a part and before the
effectiveness of the registration statement and (b) after the effectiveness of
the registration statement and before the filing of a post-effective amendment
that indicates that the securities offered by this prospectus have been sold or
that deregisters the securities covered by this prospectus then remaining
unsold. The most recent information that we file with the SEC automatically
updates and supersedes older information. The information contained in any such
filing will be deemed to be a part of this prospectus, commencing on the date on
which the document is filed.</FONT></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>You
may request a copy of the information incorporated by reference, at no cost, by
writing or telephoning us at the following address:</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>ConnectOne Bancorp,
Inc.<BR>Attention: Investor Relations<BR>301 Sylvan Avenue<BR>Englewood Cliffs,
NJ 07632<BR>(201) 816-8900</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>LEGAL
MATTERS</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Unless otherwise indicated in the applicable prospectus supplement, the
validity of the securities offered hereby will be passed upon for us by Windels
Marx Lane &amp; Mittendorf, LLP, New Brunswick, New Jersey. If the validity of
the securities offered hereby in connection with offerings made pursuant to this
prospectus are passed upon by counsel for the underwriters, dealers or agents,
if any, such counsel will be named in the prospectus supplement relating to such
offering. </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>EXPERTS</FONT></B></P>
<P style="TEXT-INDENT: 15pt" align=left><FONT face="Times New Roman" size=2>Our
consolidated financial statements as of December 31, 2015 and 2014, and for each
of the years then ended, and the effectiveness of our internal control over
financial reporting as of December 31, 2015, have been audited by Crowe Horwath
LLP, an independent registered public accounting firm, as set forth in its
report thereon and incorporated herein by reference. Such consolidated financial
statements are incorporated herein by reference in reliance upon such report
given upon the authority of such firm as experts in accounting and
auditing.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>23</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="text-indent: 15pt" align=left><FONT face="Times New Roman" size=2>Our consolidated financial
statements as of December 31, 2013 and for the period then ended included in our
Annual Report on Form 10-K for the year ended December 31, 2015, have been
audited by BDO USA, LLP, independent registered public accounting firm, as set
forth in its report thereon and incorporated therein and herein by reference.
Such consolidated financial statements are incorporated herein by reference in
reliance upon such report given upon the authority of such firm as experts in
accounting and auditing. </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>WHERE YOU CAN FIND MORE
INFORMATION</FONT></B></P>
<P style="text-indent: 15pt" align=left><FONT face="Times New Roman" size=2>We have filed with the SEC a
registration statement on Form S-3, including exhibits, under the Securities Act
with respect to the securities being offered under this prospectus. This
prospectus does not contain all of the information set forth in the registration
statement. This prospectus contains descriptions of certain agreements or
documents that are exhibits to the registration statement. The statements as to
the contents of such exhibits, however, are brief descriptions and are not
necessarily complete, and each statement is qualified in all respects by
reference to such agreement or document. For further information about us,
please refer to the registration statement and the documents incorporated by
reference in this prospectus.</FONT></P>
<P style="text-indent: 15pt" align=left><FONT face="Times New Roman" size=2>We file annual, quarterly and
special reports, proxy statements and other information with the SEC. Our SEC
filings are available to the public over the Internet at the SEC&#146;s website at
</FONT><I><FONT face="Times New Roman" size=2>http://www.sec.gov</FONT></I><FONT face="Times New Roman" size=2>. The SEC&#146;s website contains reports, proxy
statements and other information regarding issuers, such as ConnectOne Bancorp,
Inc., that file electronically with the SEC. You may also read and copy any
document we file with the SEC at the SEC&#146;s Public Reference Room, located at 100
F Street, N.E., Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330
for further information on the operation of its Public Reference Room. We make
available free of charge through our web site our Annual Report on Form 10-K,
Quarterly Reports on Form 10-Q, Current Reports on Form 8-K, Proxy Statements on
Schedule 14A and all amendments to those reports as soon as reasonably
practicable after such material is electronically filed with or furnished to the
SEC. Our website address is </FONT><I><FONT face="Times New Roman" size=2>http://www.cnob.com</FONT></I><FONT face="Times New Roman" size=2>.
Please note that our website address is provided as an inactive textual
reference only. Information contained on or accessible through our website is
not part of this prospectus or the prospectus supplement, and is therefore not
incorporated by reference unless such information is otherwise specifically
referenced elsewhere in this prospectus or the prospectus supplement.</FONT></P>
<P style="text-indent: 15pt" align=left><FONT face="Times New Roman" size=2>You should rely only on the
information contained or incorporated by reference in this prospectus. No one
has been authorized to provide you with different information. If anyone
provides you with different or inconsistent information, you should not rely on
it. We are not making an offer to sell these securities in any jurisdiction
where the offer or sale is not permitted. You should assume that the information
appearing in this prospectus, as well as information we filed with the SEC and
incorporated by reference, is accurate as of the date of those documents only.
Our business, financial condition and results of operations described in those
documents may have changed since those dates.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>24</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR><BR><BR><BR><BR><BR><BR>
<DIV style="border-top: 2pt double #000000">&nbsp;</DIV>
<P align=center><B><FONT face="Times New Roman" size=5>$35,000,000
</FONT></B></P>
<P align=center><IMG src="connect3181681-424b53x15x1.jpg" border=0></P>
<P align=center><B><FONT face="Times New Roman" size=5>Common Stock
</FONT></B></P>
<P align=center><B><FONT face="Times New Roman">PROSPECTUS SUPPLEMENT<BR>(to the
Prospectus dated December 9, 2016) </FONT></B></P>
<P align=center><B><I><FONT face="Times New Roman" size=2>&nbsp;<BR>Joint
Book-Running Manager</FONT></I></B><FONT face="Times New Roman" size=2>s
</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD NOWRAP WIDTH="33%" STYLE="text-align: right"><B><FONT face="Times New Roman" size=4>Keefe, Bruyette &amp; Woods</FONT></B></TD>
    <TD noWrap style="text-align: center" width="33%">&nbsp;</TD>
    <TD noWrap style="text-align: center" width="33%"><B><FONT face="Times New Roman" size=4>Raymond James</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP WIDTH="33%" STYLE="text-align: right"><I><FONT face="Times New Roman" size=4>A Stifel Company</FONT></I></TD>
    <TD noWrap style="text-align: center" width="33%">&nbsp;</TD>
    <TD noWrap style="text-align: center" width="33%">&nbsp;</TD></TR></TABLE><BR>
<P align=center><B><FONT face="Times New Roman" size=2>December&nbsp;&nbsp;&nbsp;&nbsp; , 2016 </FONT></B></P>
<DIV style="border-bottom: 2pt double #000000">&nbsp;</DIV><BR><BR><BR><BR><BR><BR><BR>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
