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800.325.BANK stbank.com S&T Bank Rates and Fees (Effective December 26, 2012 through January 1, 2013) Growth/Income CD Time Deposits – Available for amounts up to $500,000 Opening Balance Annual Please see Footnote 1 for disclosure. Requirements Percentage Yield 7 days to 31 days $75,000 0.15% 32 days to 89 days $75,000 0.15% 90 days to 181 days $1,000 0.15% 6 months to 12 months $1,000 0.15% 1 year to less than 2 years $500 0.15% 2 years to less than 3 years $500 0.35% 3 years to less than 4 years $500 0.45% 4 years to less than 5 years $500 0.75% 5 years $500 1.00% IRA CD Time Deposits Interest Rate 0.145% 0.145% 0.145% 0.145% 0.145% 0.345% 0.445% 0.744% 0.993 % Relationship CD Offer NO NO NO NO YES YES YES YES YES Opening Balance Requirements $1,000 $500 $500 $500 $500 $500 Annual Percentage Yield 0.15% 0.15% 0.35% 0.45% 0.75% 1.00% Interest Rate 0.145% 0.145% 0.345% 0.445% 0.744% 0.993 % Relationship CD Offer Opening Balance Requirements $500 Annual Percentage Yield 0.10% Interest Rate 0.100% Relationship CD Offer Smart Start S&T-Bill CD Time Deposit 12-month CD Opening Balance (Please see Footnote 11 for disclosure) Requirements Effective December 3, 2012 $250 Annual Percentage Yield 0.10% Interest Rate 0.100% Relationship CD Offer Quick Cash 10-Month CD Time Deposit or IRA 10-month CD Opening Balance (Please see Footnote 2 for disclosure) Requirements $1000 Annual Percentage Yield 0.05% Interest Rate 0.045% Relationship CD Offer Please see Footnote 1 for disclosure. 6 month 1 year to less than 2 years 2 years to less than 3 years 3 years to less than 4 years 4 years to less than 5 years 5 years S&T-Bill CD Time Deposit 12-month CD (Please see Footnote 10 for disclosure) Effective December 3, 2012 NO YES YES YES YES YES NO NO NO NO RELATIONSHIP BONUS AVAILABLE ON THE T-BILL CDs. Page 1 of 10 800.325.BANK stbank.com Money Market Accounts Please see Footnote 3 for disclosure. Regular MMA: $0 through $9,999.99 $10,000 through $24,999.99 $25,000 through $74,999.99 $75,000 + Opening Balance Requirements Annual Percentage Yield Interest Rate - 0.05% 0.05% 0.05% 0.10% 0.045% 0.045% 0.045% 0.095% N/A 0.01% 0.010% Opening Balance Requirements - Annual Percentage Yield 0.05% 0.05% 0.10% 0.10% 0.25% Interest Rate 0.045% 0.045% 0.095% 0.095% 0.245% Opening Balance Requirements $25 - Annual Percentage Yield 0.75% 0.05% Interest Rate 0.743% 0.045% $25 0.05% 0.045% $25 0.05% 0.045% $25 0.05% 0.045% $25 0.05% 0.045% N/A 0.05% 0.045% N/A 0.10% 0.095% N/A 0.10% 0.095% (Effective June 20, 2012) Interest Checking Accounts Please see Footnote 4 for disclosure. (Effective June 20, 2012) Cash Management Account Please see Footnote 15 for disclosure. $0 through $24,999 $25,000-$99,999 $100,000-$249,999 $250,000-$999,999 $1 million + (Effective June 20, 2012) Preferred Savings Account Please see Footnote 16 for disclosure. $0 through $100,000 $100,000.01+ (Effective September 12, 2012) Statement Savings Account Please see Footnote 5 for disclosure. Overdraft Protection Savings Account Please see Footnote 5 for disclosure. Passbook Savings Please see Footnote 5 for disclosure. Moola Moola Passbook Savings Please see Footnote 6 for disclosure. Basic Holiday Savings Club Please see Footnote 7 for disclosure. Premium Holiday Savings Club Please see Footnote 8 for disclosure. My Choice Savings Account Please see Footnote 12 for disclosure. Page 2 of 10 800.325.BANK stbank.com IRA Variable Rate Savings Account Please see Footnote 9 for disclosure. Effective December 3, 2012 $50 0.10% 0.100% N/A N/A 0.05% Overnight Sweep Repurchase Rate Effective December 29, 2010 “Bump or Jump” 12-Month CD Time Deposit (NOT AVAILABLE FOR NEW ACCOUNTS) Please see Footnotes 1 and 17 for disclosures. 12-month CD Opening Balance Requirements $2,500 Annual Percentage Yield 0.05% Interest Rate 0.045% Promotional CD Time Deposits 12-Month CD Time Deposit or IRA Opening Balance Requirement = $1,000 12 Month CD Annual Percentage Yield Interest Rate See Footnotes 1, 13, 14 and 18 for disclosure. Base Rate + 0.05% +0.10% +0.15% .30% .35% .40% .45% .295% .345% .395% .445% + 0.20% (must be a Club member w/ relationships) .50% .495% (Effective November 7, 2012) * Changes from the previous week shown in bold. Page 3 of 10 800.325.BANK stbank.com Special Relationship Offer – Add from 0.05% up to 0.20% to a CD or IRA APY! Effective August 11, 2010 (See footnote 13 for important disclosure copy) Get an additional 0.05%, up to 0.15%, added to your CD/IRA APY for each of the following new or existing S&T services: • • • 0.05=Core Checking Account-includes Regular, Business, NOW or Money Market acct. 0.05=S&T Mortgage Loan, Home Equity Loan/Line of Credit, or Installment Loan 0.05=New Money to S&T Bank-Face amount of CD must consist of at least 50% new money CLUB MEMBERS – Get an additional 0.05% for your Club relationship – up to a maximum of 0.20%. (See footnote #14 for disclosure copy) • 0.05=Preferred Account, America’s Choice or Four Star Club account Footnotes: 1. Growth/Income and IRA CD Time Deposits - Annual Percentage Yield (APY) assumes interest remains on deposit until maturity, and withdrawal of interest will reduce earnings. CD Time Deposit - 1099 is produced in the year interest is paid. Penalty for early withdrawals could affect the APY and could reduce the principal for these accounts. 2. Quick Cash CD Time Deposit – No withdrawals permitted during the first 7 day period. Entire certificate may be redeemed without penalty after the first seven days. No partial withdrawals. Offer may be withdrawn at any time. Substantial penalties for early withdrawals. Maximum deposit of $250,000 per household. 3. Money Market Account - This savings account has a maximum of six (6) third party transactions permitted per month. This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without prior notice. 4. Interest Checking Account - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without prior notice. 5. Statement, Overdraft Protection and Passbook Savings - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without prior notice. 6. Moola Moola Passbook Savings - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without prior notice. 7. Basic Holiday Savings Club - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without prior notice. 8. Premium Holiday Savings Club - This is a variable rate account and your interest rate and Annual Percentage Yield may change at the Bank's discretion without prior notice. This account requires direct deposit of contributions and direct deposit of funds to your S&T account. No withdrawals will be permitted prior to disbursement. 9. IRA Variable Rate Savings Account - There will not be any bank penalties imposed for the transfer of funds from this IRA to another S&T IRA account. You may make additional deposits in any amount after the initial deposit. The Annual Percentage Yield and interest rate on the entire account balance will be adjusted and become effective the first Business Day of each month. Deposits made during the month will earn the effective rate from the date of deposit until the rate adjusts. The rate of interest is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury Bill auction of the previous month). 10. S&T-Bill CD Time Deposit – Annual Percentage Yield (APY) assumes interest remains on deposit until maturity, and withdrawal of interest will reduce earnings. CD Time Deposit - 1099 is produced in the year interest is paid. Penalty for early withdrawals could affect the APY and could reduce principal for these accounts. This promotional CD Time Deposit APY and interest rate cannot be combined with any other promotion. Additional deposits may be made through automatic transfers from an S&T checking or savings account. Minimum transfer amount is $50. Deposits may also be made at any branch location. Customer must have an S&T checking or savings account to open the CD. Not available on IRAs. The APY and interest rate on the entire account balance will be adjusted and become effective the first Business Day of each month. Deposits made during the month will earn the effective rate from the date of deposit until the rate adjusts. The rate of interest is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury Bill auction of the previous month). Monthly interest payments will only be available through transfer of funds to an S&T checking or savings account. If withdrawals are made to this account prior to maturity date, a penalty of 90 days simple interest will be imposed. Page 4 of 10 800.325.BANK stbank.com 11. Smart Start S&T-Bill CD - Annual Percentage Yield (APY) assumes interest remains on deposit until maturity, and withdrawal of interest will reduce earnings. CD Time Deposit - 1099 is produced in the year interest is paid. Penalty for early withdrawals could affect the APY and could reduce principal for these accounts. This promotional CD Time Deposit APY and interest rate cannot be combined with any other promotion. Additional deposits may be made through automatic transfers from an S&T Smart Start checking account or be made at any branch. Minimum transfer amount is $20. Customer must have an S&T Smart Start checking account to open the CD. Not available on IRAs. The APY and interest rate on the entire account balance will be adjusted & become effective the first Business Day of each month. Deposits made during the month will earn the effective rate from the date of deposit until the rate adjusts. The rate of interest is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury Bill auction of the previous month). Monthly interest payments will only be available through transfer of funds to an S&T Smart Start checking account. If withdrawals are made to this account prior to maturity date, a penalty of 90 days simple interest will be imposed. 12. My Choice Savings Account - This is a variable rate account. Your interest rate and Annual Percentage Yield may change at the Bank's discretion without prior notice. Account must be funded via direct draft. If direct draft ceases, the interest rate and APY will revert to the Basic Holiday Savings Club. Interest is credited once per year on the date selected by customer. If the account is closed before interest is credited, all accrued interest in the account may be forfeited. $10 per month minimum transfer amount. Once a disbursement date is selected, it cannot be changed. No withdrawals will be permitted prior to disbursement. 13. Relationship CD Offer - Maximum bonus Annual Percentage Yield is 0.15% (0.20% for Club members) added to the base CD APY. Get an additional 0.05% added to the CD APY for each of the following S&T services: S&T Core Checking Account; S&T Mortgage Loan, Home Equity Loan/Line of Credit or Installment Loan; Cash Management Account; or New Money to S&T Bank. Club account members (Preferred Account, America’s Choice & Four Star only) are eligible for an additional 0.05% bonus for their Club relationship, up to 0.20%. Offer excludes the S&T-Bill CD and Smart Start T-Bill CD. Special cannot be combined with any other bonus offers. Not available for brokered accounts or the IRA Variable Rate Savings account. Minimum deposit to open is based on the CD selected. Substantial penalty for early withdrawal. Offer may be withdrawn at any time. The promotional APY and interest rate will not be applied to existing CD Time Deposits that automatically rollover. Customers must choose to change the existing CD Time Deposit to promotional Time Deposit. At maturity, this promotional CD Time Deposit will rollover into a traditional Time Deposit interest plan. 14. Club Bonus - Maximum bonus Annual Percentage Yield is 0.20% added to the base CD APY. Get an additional 0.05% added to the CD APY for being a Preferred Account, America’s Choice or Four Star Club account member, in addition to the Relationship CD bonus offers. The highest tier is noted. Club Bonus available to S&T Bank Preferred Account, Four Star Club & America’s Choice members only. Special cannot be combined with any other promotion. Not available for brokered accounts. Minimum deposit to open depends on CD product selected. Substantial penalty for early withdrawal. Offer may be withdrawn at any time. The promotional APY and interest rate will not be applied to existing CD Time Deposits that automatically rollover. Customers must choose to change the existing CD Time Deposit to promotional CD Time Deposit. At maturity, promotional CD Time Deposits rollover into a traditional CD Time Deposit interest plan. 15. Cash Management Account –This is a variable rate account and your interest rate and Annual Percentage Yield (APY) may change at the Bank’s discretion without prior notice. Interest is accrued daily on the collected balance and compounded and credited to your account monthly. A $25 penalty applies for each third party transaction exceeding six per monthly cycle. An $8 monthly service fee will be collected on amounts falling below $5,000. 16. Preferred Account Savings - This is a variable rate account and your interest rate and Annual Percentage Yield (APY) may change at the Bank’s discretion without prior notice. A $10 quarterly service fee will be collected on amounts falling below $200. Customer must have a Preferred checking account in order to qualify for a Preferred savings account. Quarterly interest plan. One Preferred Savings per Preferred Checking household. 17. "Bump or Jump" CD Time Deposit – THIS CD IS NOT AVAILABLE FOR NEW ACCOUNTS. Choice of "Bumping" up to a higher interest rate and APY or "Jumping" to another "Bump or Jump" or other investment type anytime after 7 days. No penalty for using this option once within a 12-month term. No partial withdrawals without penalty. Does not include IRA accounts. Offer may be withdrawn at any time. Not available in all areas. Substantial penalties for early withdrawals after use of one time 7-day access option. 18. 12 Month CD Special –This special cannot be combined with any other offer and excludes institutional investors or brokered accounts. Minimum deposit requirement is $1,000. Substantial penalty for early withdrawal. APY assumes interest remains on deposit until maturity, and withdrawal of interest will reduce earnings. Rates subject to change without notice. Offer withdrawn at any time. The promotional APY and interest rate will not be applied to existing time deposits that automatically rollover. At maturity, promotional time deposits will rollover into a traditional CD time deposit interest plan. For more information, you may call our Direct Banking Center at 800.325.BANK or 724.349.1800. Monday – Friday 7:00 a.m. – 7:00 p.m. Saturday – 8:00 a.m. – 3:00 p.m. Page 5 of 10 800.325.BANK stbank.com FEE SCHEDULE Miscellaneous Account Service Fees Check Orders: Prices vary depending on style selected. Checks must meet our quality standards for processing, or we may require your checks be purchased through the vender of our choice, at your expense. Stop Payment Fee: $32.00 per item Overdraft Fee: $32.00 per item Daily Overdraft Fee: $10.00/day after 4th calendar day acct. remains in overdraft status Transfer from Line of Credit or Savings account For overdraft protection: $10.00 per occurrence Returned Item Fee: $32.00 per item Deposited Return Item Fee: $10.00 per item Secondary Return Item Notice Fee (for business accounts only): $3.00 per notice Transaction History Printout: $1.00 per request Irregular Statement Cycle: $10.00 per request Paper Statement Fee $2.00 per month (All consumer checking, interest checking and money market accounts, excludes Four Star account) Image Statement Fee $2.00 per month Personal Accounts with statements held at branch: Interim Statement (without checks) or Statement Copy (without checks): $2.00 per cycle $5.00 per request Copy of Item (including Money Order, Treasurer’s Check, savings withdrawal, deposit ticket, etc. Cancelled check copy fee does not apply to CheckSafe customers. CheckSafe customers requesting > 25 copies per year may be assessed a fee.): $5.00 per item Statement Reconcilement and Research Fees: $25.00 per hour ($25.00 minimum) Excessive Transaction Fee (Money Market and Savings accounts): $2.00 per transaction Inactivity Fee $5.00/month for checking accounts with a ledger balance of less than $100 and with no activity during previous 12 months Non S&T ATM Transactions ATM Service Fees (ATM Deposits, ATM Withdrawals, ATM Inquiries, ATM Transfers to and from accounts): $2.00 per transaction Replacement/Duplicate Cards: $7.50 per card Mini Statement: $1.00 (Excludes Preferred Account, Four Star & America’s Choice accts See applicable disclosure) Transfer of Funds Domestic Outgoing Wire (Customer) - Repetitive: - Non-Repetitive: Domestic Incoming Wire (Customer): International Outgoing Wire (Customer): International Incoming Wire (Customer): Safe Deposit Boxes Various Sizes Available: Loss of Keys: One Key (requires replacement with new lockset) Two Keys (requires drilling & lockset replacement) $17.00 per wire $25.00 per wire $15.00 per wire $45.00 per wire $22.00 per wire $25.00 - $305.00 per year $ 30.00 $150.00 Page 6 of 10 800.325.BANK stbank.com Collection Items Canadian Items: Bond Coupons: Return Coupon: International Drafts: Outgoing Collections: Incoming Collections: Night Depository One-Time Fee: Service Fee: Disposable Bags Available: Miscellaneous Services Treasurer's Checks (sold to customers only): Domestic Money Orders: Faxes sent within PA: Faxes sent outside of PA: VISA International Service Assessment Fee: - applies to VISA credit & debit card transactions Signature Guarantee Fee: Approved Checks Cashed for Non-customers: Assisted Transfer Service Charge: Indemnity Bond: Notary Service: Legal Fees (FIDM Program): Legal Fees (Writs of Execution): Legal Fees (Garnishment Orders) Online Banking Business Online Banking (Basic Package -additional services available at extra charges) ExpressNet Expedited Fee Payment ExpressNet Expedited Payments ACH Check Express Banking Fee Quicken ExpressNet User Fee Monthly SYNC online Preferred Account ExpressNet User Fee Transactional ExpressNet with BillPay Inactivity Fee $15.00 per item $5.00 per envelope $50.00 fee varies $25.00 per item $25.00 per item $20.00 canvas bag (small) $25.00 canvas bag (large) $0.75 per drop for disposable, $1.00 per drop for canvas fee varies $10.00 per check $5.00 per money order $5.00 first page, $1.00 each additional page $7.00 first page, $1.50 each additional page .8% of international purchases & cash disbursements which do not require conversion 1% of international purchases & cash disbursements which require conversion $10.00 per occurrence $10.00 per check $5.00 per transfer $5.00 per bond $2.00 plus clerical fees $50.00 per request $150.00 per request $100.00 per request $10.00 per month FREE $14.95 per occurrence $19.95 per occurrence $5.00 per month $3.00 per month FREE $3.00 per month (If an ExpressNet user is signed up for BillPay, one bill per month must be paid via S&T’s ExpressNet with BillPay in order to avoid a $3 per month inactivity fee.) Service Charge ExpressNet External Transfers (From S&T to another financial institution) $3.00 per transfer Page 7 of 10 800.325.BANK stbank.com PERSONAL CHECKING Preferred Account • Minimum daily balance requirement $1,000 • Monthly maintenance Fee (if balance falls below minimum daily balance or combined balance) $10 • No monthly maintenance fee will be assessed for combined deposit and HOME Center balances* of $50,000 or more • ATM Transactions • S&T Bank ATMs = Unlimited free ATM transactions • Non S&T Bank ATMs = 10 free ATM withdrawals per monthly statement cycle. Free Checking Account • No minimum balance to open account • No minimum balance • No monthly maintenance fee • Free ATM Banking at S&T Bank ATMs Interest Checking Account • Minimum daily balance requirement $1,000 or average monthly balance requirement $2,500 • Monthly maintenance Fee (if balance falls below minimum daily balance or average monthly requirement) $10 • No monthly maintenance fee will be assessed for combined personal deposit and HOME Center balances of $20,000* or more Smart Start Checking • No minimum balance to open account • No monthly maintenance fee • Monthly maintenance fee will be assessed upon accountholder’s 25th birthday of $25 • ATM Transactions • S&T Bank ATMs = Unlimited free ATM transactions • Non S&T Bank ATMs = Two free ATM withdrawals per monthly statement cycle at in-network ATMs (NYCE networks only) Club Account Four Star Club (Regular, Interest, and Money Market) • Minimum daily checking account balance requirement $1,000 • Monthly maintenance fee (if balance requirement falls below minimum daily balance) $10 • No monthly maintenance fee will be assessed for combined personal deposit and HOME Center balances of $5,000 or more.* • Excessive transaction fee $2/transaction applies on Four Star money market (A maximum of six third party transactions are permitted per calendar month or statement cycle) *Combined deposit balances include: all personal checking, savings or time deposits. Combined Home Center balances include: mortgage, home equity loan and home equity line outstanding balances. ** Waived for minors under the age of 18. Transaction and service fees, including insufficient funds and overdraft fees, may apply to these accounts. Page 8 of 10 800.325.BANK stbank.com PERSONAL SAVINGS Cash Management Account • Minimum daily balance requirement $5,000 • Monthly maintenance fee (if balance falls below minimum daily balance) $8 • Fee for third party transactions exceeding six per calendar month or statement cycle $25/transaction Money Market Account • Minimum daily balance requirement $1,000 or average monthly balance requirement $2,500 • Monthly maintenance fee (if balance requirement falls below minimum daily balance or average monthly balance) $10 • Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) • No monthly maintenance fee will be assessed for combined deposit and Home center balances of $20,000* or more. Preferred Savings Account • Minimum balance to open account $25. • Quarterly maintenance fee $10 (if daily balance falls below $200 minimum) • Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) • Must have the Preferred Checking account in order to qualify for the Preferred Savings Account otherwise savings will revert to statement savings account and rate • One Preferred Savings Account per Preferred Checking Account household Moola Moola Kids Savings Account intended for children ages 13 and under. At age 18, maintenance fees applicable to passbook savings account will apply. • Minimum balance to open account $25 • No maintenance fee • Minimum balance required to earn passbook interest rate and annual percentage yield $25 • Excessive Transaction Fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) IRA Variable Rate Savings Account • The interest rate is tied to the 91-Day Treasury Bill rate (Discount rate in effect for the last Treasury bill auction of the previous month). • Minimum balance to open $50 • No maintenance fee Individual Retirement Account • Transfers to other institutions $35/transfer Passbook Savings Account • Minimum balance to open account $25 • Quarterly maintenance Fee $6 (if balance falls below $200 minimum**) • Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) Statement Savings • Minimum balance to open account $25.00 • Quarterly maintenance Fee $6 (if balance falls below $200 minimum**) • Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) Overdraft Protection Savings Account • Minimum balance to open account $25 • Quarterly maintenance fee $6 (if daily balance falls below $200 minimum) • Quarterly maintenance fee $8 for overdraft protection • Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) *Combined deposit balances include: all personal checking, savings or time deposits. Combined Home Center balances include: mortgage, home equity loan and home equity line outstanding balances. ** Waived for minors under the age of 18. NON CONSUMER SERVICE FEE SCHEDULE Transaction and service fees, including insufficient funds and overdraft fees, may apply to these accounts. Page 9 of 10 800.325.BANK stbank.com Non Consumer Fee Schedule Checking Basic Business Checking • • • No minimum balance No monthly maintenance fee 500 free transactions each month Non Consumer Interest Checking • Minimum daily balance requirement $2,500 or average monthly balance requirement $3,000 • Monthly maintenance fee $10 (if balance falls below average daily or monthly requirement) Non Consumer Fee Schedule Saving Non consumer Money Market Account • Minimum daily balance requirement $2,500 or average monthly balance requirement $3,000 • Monthly maintenance fee $12 (if balance falls below average daily or monthly requirement) • Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) Non Consumer Passbook Savings • Minimum balance to open account $25 • Quarterly maintenance fee (if balance falls below $200 minimum) $6 • Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) Non Consumer Statement Savings • Minimum balance to open account $25 • Quarterly maintenance fee (if balance falls below $200 minimum) $6 • Excessive transaction fee $2/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) Please refer to the Account Analysis fee schedule for Business accounts with Account Analysis. 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