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Disclosures

1 This offer is not available to current S&T Bank checking customers or those who have closed an S&T Bank checking in the past 12 months. Offer applies to new consumer checking accounts (Preferred Banking, Select Banking and Four Star Banking (also interest bearing for Preferred Banking and Four Star Banking)) opened by 10/31/2018*. New accounts will not be eligible for offer if any signer has signing authority on an existing S&T Bank consumer checking account. Signing authority will be defined by the customer name(s) and social security number(s) registered on the account. Offer cannot be combined with any other checking offer and is subject to change or termination without notice. One incentive payout per household. To qualify for the first $100 offer, the initial deposit of $50 must be made within 10 days of account opening and the following conditions also must be met by 11/30/2018: (a) at least 10 S&T Bank Visa Debit card purchases (posted and cleared) must be made and (b) enroll in online statements. A $100 will be credited to the eligible account 12/14/2018 for completing the 3 tasks listed above. The additional $100 will be credited to the S&T account on or before 05/10/2019 provided the account qualified for the debit card and online statement incentive. The account must remain in good standing (daily ledger balance greater than $10) in order to receive any incentive. If a $50 Refer a Friend incentive was paid out to this account during the promotional period your incentive will then be deducted by that amount. The max incentive you are able to receive during this time period is $200. Subject to 1099 reporting.

2Preferred Banking with Interest and Four Star Banking with Interest account rate is accurate as of 9/1/2018. Annual Percentage Yield (APY) for these interests bearing accounts is 0.15% APY (Preferred Banking with Interest) & 0.01% APY (Four Star Banking with Interest). Rates are on variable rate accounts and may change after account opening. Fees could reduce earnings.

3Unlimited free ATM transactions apply to cash withdrawals using the S&T Bank Preferred Banking debit card from the Preferred Banking account wherever it is accepted. S&T Bank does not charge you to use another bank's ATM plus reimburses surcharge fees (fees charged by other banks to use their ATMs). Free ATM transactions do not apply to any fees other than fees assessed for using an ATM to withdraw cash from your S&T Preferred Banking account. For example, the Visa International Service Assessment fee that applied when a foreign country ATM is used for cash withdrawal is not waived or reimbursed, and will continue to apply. S&T Bank makes its best effort to identify those ATM fees eligible for rebate based on information it receives from Visa and ATM operators. Must have Preferred Banking with a Preferred Banking debit card in order to receive Free Worldwide ATMs. In the event that you have not received a reimbursement for a fee that you believe is eligible, please call S&T Bank Solution Center for assistance at 800.325.2265. S&T Bank reserves the right to modify or discontinue the FREE ATM transactions at any time.

4Use My Rewards and get personalized offers for purchases made every day on your S&T debit card.

*Please see S&T's Deposit Account Agreement and Disclosures, including the Consumer Fee Schedule for important terms and conditions.