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¹The 3.99% Annual Percentage Rate (APR) introductory total line of credit rate will be in effect for 6 months and is effective as of 1/1/2026. After the 6-month introductory period, the APR will be a variable rate based on Wall Street Journal Prime rate (6.75% as of 1/1/2026) plus or minus a margin that may be based on your credit qualifications, the amount of your credit line and loan-to-value, with a minimum of 2.99% and a maximum of 18.00%. The offer requires a minimum line amount of $25,000 and an automatic draft payment from an S&T Bank checking account. The offer is not available for existing S&T Bank home equity line increases or refinancing existing S&T Bank home equity and mortgage debt. The offer is not available on home equity total line of credit renewals. A processing fee of $75 will be waived. An early termination fee of $350 applies if your credit line closes within 36 months. An annual fee of $50 will be charged to your line of credit. Title insurance required on lines of $750,000 and greater. Offer not available for investment and income-producing properties. Property insurance is required. Other rates and terms are available. Consult your tax advisor regarding the deductibility of interest. Subject to credit approval. Offer is subject to change or withdrawal without notice.

²Payments for appraisals, when required, are the responsibility of the borrower(s). Appraisals typically range from $75-$950; however, the first $90 in appraisal fees will be waived. The Bank shall choose the appraisal type for the loan.

³Employees of S&T Bank, its affiliates, subsidiaries, dealers, distributors, retailers, advertising and production agencies, their immediate families and those living in the same household, are not eligible to apply for the scholarship. S&T Bank may suspend, change or terminate this program at any time. The interpretation, application and administration of the program shall be determined by the Student Scholarship Committee, whose decision is final.

⁴To qualify for the $400 incentive, a new Basic Business Checking account must be funded with a $2,000 balance within the first five business days of account opening. The account must remain open, never be overdrawn and have a daily balance of $2,000 or more on May 4, 2026. To qualify for the $600 incentive, a new Basic Business Checking Account must be funded with $25,000 within the first five business days of account opening. The account must remain open, never be overdrawn and have a daily balance of $25,000 or more on May 4, 2026. Account must be opened between January 1, 2026 and March 31, 2026. Account will receive appropriate incentive on May 14, 2026. New account will not be eligible for offer if any signer has signing authority on an existing S&T Bank Business Checking account or has closed an account within the past 90 days or has been paid a promotional premium in the past 12 months. If multiple accounts are opened with the same signers, only one account will be eligible for the incentive. Estate accounts are not eligible for this promotion.

⁵Once qualifications have been met for the new Basic Business Checking account, business is able to qualify for an additional $300 incentive when a S&T Positive Pay and/or ACH Positive Pay solution is established on the new Basic Business Checking account. Positive Pay or ACH Positive Pay must be activated by May 4, 2026, to receive the additional incentive on May 14, 2026, which will be credited to the S&T Basic Business Checking account. Limit one $300 incentive per business, regardless of the number of Positive Pay or ACH Positive Pay solutions are added.

Incentives will be identified as “Cash Incentive” on your monthly statement. The value of the incentives may be reported on Internal Revenue Service (IRS) Form 1099 and may be considered taxable income to you. Please consult your tax advisor regarding your specific situation.

⁶The person making the referral (Referrer) and the individual being referred (Referred Person) will each earn $100 if the requirements are met as set forth within the “Referred Person” section below.

Receiving Text Messages and Emails:  Referrer agrees that by providing their mobile phone number and email address they are agreeing to the receipt of text messages and emails from the Royal Referral Center site. 

Referrer:  To make a referral, the Referrer must have a personal checking account at S&T Bank, register for the program online at https://stbank.royalreferralcenter.com and submit a valid email address and phone number for both themselves and each Referred Person. A Referrer may receive up $500 in deposits within a calendar year. The Referrer acknowledges the incentive will not be issued until all conditions have been met in the timeframes provided. If more than one Referrer refers the same Referred Person, only the first Referrer who enters information for a Referred Person will receive a $100 incentive if the Referred Person fulfills the requirements.

Referred Person: To earn the $100 incentive, the Referred Person must open a new S&T Bank personal checking account within 90 days of receiving the email or text offer through the referral program, and meet the following requirements:

• Make at least two $500 qualifying direct deposits within 90 calendar days of account opening. Qualifying direct deposits include recurring electronic deposits of payroll, pension or Social Security. Person-to-person, S&T Bank deposit account transfers or other electronic money transfers, such as those made through internet payment services, do not qualify.
• The account cannot be overdrawn during the 90-calendar day period after account opening. The account must be open to receive the $100 incentive.

The Referred Person may only receive one $100 incentive for opening a personal checking account and completing the requirements but may also be eligible as a Referrer.

All existing S&T Bank personal checking customers, owners, or those with signing authority on any other S&T personal checking account or those who closed a personal checking account within the last 12 months, are not eligible. Signing authority will be defined by the customer’s name(s) and social security number(s) registered on the personal checking account as an owner.

Email Address and Phone Number: When opening a S&T Bank personal checking account, the Referred Person must provide the same email address and mobile phone number entered in the Royal Referral Center Site by the Referrer.

Deposit Account Disclosures:  All deposit accounts are subject to the S&T Bank Deposit Account Agreement and Disclosures.  These can be found at: stbank.com/accountdisclosures/.

Opt Out:  A referrer who registers through the Royal Referral authorizes future communications, including emails regarding the program unless they “opt out” by making an election by email.

Other Rewards:  The Referrer will earn a $5 (five) dollar gift card to Starbucks® Coffee for every ten (10) referrals made within the Royal Referral Center Site. Starbucks® rewards will be delivered instantly as a code to the Referrer’s email address provided once the ten (10) referrals have been made. There is a limit of five (5) Starbucks® Coffee gift cards a Referrer may earn each calendar year.

Age Limitations:  Referrer and Referred Persons are required to be 18 years or older.

Other Limitations:  This offer may not be combined with other offers. This offer may end or be changed without notice. All personal checking account applications are subject to S&T Bank approval. S&T Bancorp employees are not eligible to participate. Processing and delivery of the incentive may take an additional 4-6 weeks after all conditions have been met. The incentive will be direct deposited into the appropriate personal checking account.