<SEC-DOCUMENT>0001206774-18-000079.txt : 20180112
<SEC-HEADER>0001206774-18-000079.hdr.sgml : 20180112
<ACCEPTANCE-DATETIME>20180112084537
ACCESSION NUMBER:		0001206774-18-000079
CONFORMED SUBMISSION TYPE:	FWP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20180112
DATE AS OF CHANGE:		20180112

SUBJECT COMPANY:	

	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:		FWP
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	333-221705
		FILM NUMBER:		18524753

	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

FILED BY:		

	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:		FWP

	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>FWP
<SEQUENCE>1
<FILENAME>connect3363576-fwp.htm
<DESCRIPTION>FILING UNDER SECURITIES ACT RULES 163/433 OF FREE WRITING PROSPECTUSES
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<P style="TEXT-ALIGN: right"><B><FONT size=2 face=Arial>Filed Pursuant to Rule 433<BR></FONT></B><B><FONT size=2 face=Arial>Issuer Free Writing Prospectus dated January 11, 2018<BR></FONT></B><B><FONT size=2 face=Arial>Registration No. 333-221705</FONT></B></P>
<P align=center>
<IMG border=0 src="connect3363576-fwpx1x1.jpg"> </P>
<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>ConnectOne Bancorp, Inc.</FONT></B></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>$75,000,000<BR></FONT><FONT size=2 face=Arial>5.20% Fixed-to-Floating Rate Subordinated Notes due February 1, 2028</FONT></P>
<P style="TEXT-ALIGN: center"><U><FONT size=2 face=Arial>PRICING TERM SHEET</FONT></U></P>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Issuer:</FONT></B></TD>
   <TD width="1%" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>ConnectOne Bancorp, Inc. (NASDAQ: CNOB)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>&nbsp;</FONT></B></TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Security:</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>5.20% fixed-to-floating rate subordinated notes due <FONT size=2 face=Arial>February 1, 2028 (the &#8220;Notes&#8221;)</FONT></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left>&nbsp;</TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>&nbsp;</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Security Rating:*</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>BBB- by Kroll Bond Rating Agency</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>&nbsp;</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Principal Amount:</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>$75,000,000</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>&nbsp;</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Pricing Date:</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>January 11, 2018</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>&nbsp;</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Settlement Date:</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>January 17, 2018 (T+3)</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>&nbsp;</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Stated Maturity Date:</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>February 1, 2028</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>&nbsp;</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Interest Payment Dates:</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>Interest on the Notes will be payable on February 1 and August 1, of each year, through but excluding February 1, 2023, and thereafter February 1, May 1, August 1 and November 1 of each year through the Stated Maturity Date, unless in any case previously redeemed.</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left>&nbsp;</TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>The first interest payment will be made on August 1, 2018.</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>&nbsp;</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Interest Payment Record Dates:</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>The interest payable on any fixed rate interest payment date will be paid to the holder in whose name a Note is registered at the close of business on the January 15 and July 15 (whether or not a business day) immediately preceding such fixed rate interest payment date. The interest payable on any floating rate interest payment date will be paid to the holder in whose name a Note is registered at the close of business on the January 15, April 15, July 15 and October 15 (whether or not a business <FONT size=2 face=Arial>day) immediately preceding such floating rate interest payment date.</FONT></FONT></TD></TR></TABLE>
<BR>


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

<BR>

<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Interest Rate:</FONT></B></TD>
   <TD width="1%" align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>Unless previously redeemed, the Notes will bear interest (i) from, and including, the original issue date to, but excluding, February 1, 2023, at a fixed rate equal to 5.20% per year and (ii) from, and including, February 1, 2023, at an annual floating rate equal to three-month LIBOR, as determined quarterly on the determination date for the applicable interest period, plus 284 basis points (2.84%).</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>&nbsp;</FONT></B></TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Day Count Convention:</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>30/360 to but excluding February 1, 2023, and, thereafter, a 360-day year and the number of days actually elapsed.</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left>&nbsp;</TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>&nbsp;</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Price to Public:</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>100% of Principal Amount</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>&nbsp;</FONT></B></TD>
   <TD width="1%" align=left><FONT size=2 face=Arial></FONT></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial></FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Optional Redemption:</FONT></B></TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>Subject to obtaining prior approval of the Federal Reserve, to the extent that such approval is then required, the Issuer may, at its option, beginning with the Interest Payment Date of February 1, 2023, and on any scheduled Interest Payment Date thereafter, redeem the Notes, in whole or in part, at a redemption price equal to 100% of the principal amount of the Notes to be redeemed, plus any accrued and unpaid interest to, but excluding, the redemption date. Any partial redemption will be made by lot in accordance with DTC&#8217;s applicable procedures.</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left>&nbsp;</TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left></TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>In addition, in certain circumstances the Issuer may have the option to redeem the Notes upon the occurrence of events described in the prospectus supplement under the heading &#8220;Description of the Notes&#8212;Optional Redemption and Redemption Upon Special Events.&#8221;</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left>&nbsp;</TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Subordination:</FONT></B></TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>The Notes will be subordinate in right of payment to all senior indebtedness of the Issuer as described in the preliminary prospectus supplement and the accompanying prospectus.</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left></TD>
   <TD width="1%" align=left>&nbsp;</TD>
   <TD width="65%" align=left></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Use of Proceeds:</FONT></B></TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>General corporate purposes</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left>&nbsp;</TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Denominations:</FONT></B></TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>$2,000 minimum denomination and $1,000 integral multiples thereof.</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left>&nbsp;</TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>CUSIP / ISIN:</FONT></B></TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left><FONT size=2 face=Arial>20786WAD9 / US20786WAD92</FONT></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left>&nbsp;</TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Sole Book-Running Manager:</FONT></B></TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left>

   <P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Keefe, Bruyette &amp; Woods, </FONT><I><FONT size=2 face=Arial>A Stifel Company</FONT></I></P></TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left>&nbsp;</TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left>


   </TD></TR>
<TR vAlign=bottom>
   <TD vAlign=top width="34%" align=left><B><FONT size=2 face=Arial>Co-Managers:</FONT></B></TD>
   <TD width="1%" align=left></TD>
   <TD width="65%" align=left>


   <P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Piper Jaffray &amp; Co.<BR></FONT><FONT size=2 face=Arial>Raymond James &amp; Associates, Inc.</FONT></P></TD></TR></TABLE>
<div style="TEXT-ALIGN: left"><FONT size=2 face=Arial>____________________</FONT></div>
<P style="TEXT-ALIGN: left"><B><I><FONT size=2 face=Arial>* Note: </FONT></I></B><I><FONT size=2 face=Arial>A rating is not a recommendation to buy, sell or hold securities. Ratings may be subject to revision or withdrawal at any time by the assigning rating organization. Each rating agency has its own methodology for assigning ratings and, accordingly, each rating should be evaluated independently of any other rating.</FONT></I></P>
<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>The Issuer has filed a registration statement (including a preliminary prospectus supplement and an accompanying prospectus) with the Securities and Exchange Commission (the &#8220;SEC&#8221;) for the offering to which this communication relates. Before you invest, you should read the preliminary prospectus supplement, the final prospectus supplement (when available) and the prospectus in that registration statement and other documents the Issuer has filed with the SEC for more complete information about the Issuer and this offering. You may get these documents for free by visiting EDGAR on the SEC&#8217;s website at
www.sec.gov. </FONT></B><B><FONT size=2 face=Arial>Alternatively, you may obtain a copy of the prospectus by contacting Keefe, Bruyette &amp; Woods, </FONT></B><B><I><FONT size=2 face=Arial>A Stifel Company </FONT></I></B><B><FONT size=2 face=Arial>at 787 Seventh Avenue, Fourth Floor, New York, NY 10019 or by calling 1-800-966-1559.</FONT></B></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>-2-</FONT></P>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
