WELCOME TO THE FIRST COMMONWEALTH BANK COMMUNITY MEMBER FDIC

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1 WELCOME TO THE FIRST COMMONWEALTH BANK COMMUNITY MEMBER FDIC

2 WELCOME FIRST COMMUNITY BANK CUSTOMERS TABLE OF CONTENTS How to Use this Guide... 3 Customer Assistance... 3 Important Dates to Know... 4 New Account Names... 5 Deposit Account Information... 6 Loan Account Information... 7 Account Statements... 7 Online Banking, BillPay and Mobile Services... 8 Switch Weekend Checklist Frequently Asked Questions

3 On May 11, an agreement was announced that First Commonwealth Bank would purchase First Community Bank. Since then, we have been working together with your friends at First Community Bank to create the best possible future banking experience for you. We are very happy to officially welcome you to our community and look forward to serving all of your banking needs. Although you may not know us yet, we are a community bank with offices located throughout 15 counties in Central and Western Pennsylvania, with headquarters in the college town of Indiana, PA and a loan production office in Cleveland, Ohio. We share the same corporate culture and vision as First Community Bank - to put the financial well-being of our customers and communities above all else. HOW TO USE THIS GUIDE WHAT THE ICONS MEAN TO YOU We will be transitioning your banking relationship to First Commonwealth Bank over the weekend of November 6, referred to in this book as the switch weekend. We ask that you take the necessary time to read this guide so you can better understand the details of the switch weekend, including the updates to your experience, important dates and changes that will occur. You can also check out fcbanking.com/welcome. NEW The NEW FEATURE icon identifies features you ll enjoy as a First Commonwealth Bank customer. The REQUIRED icon alerts you to measures that need to be taken to make your transition smoother. CUSTOMER ASSISTANCE We understand that you may have questions or require assistance along the way. We are here to help. As always, you can visit your local office. Or to speak to a Customer Service Specialist at our Convenience Banking Center, simply call BANK (2265), available weekdays from 7:00 a.m. until 10:00 p.m. and on weekends from 8:00 a.m. until 6:00 p.m. You may also us at 3 MEMBER FDIC

4 IMPORTANT DATES TO KNOW Our switch weekend activities will begin after close of business on Friday, November 6 and will be completed before start of business on Monday, November 9. If your local office is normally open on Saturdays, it will be closed on Saturday, November 7 in order to successfully complete our switch. You are welcome to contact our Convenience Banking Center at (BANK) beginning at 8:00 a.m. to talk with our team. Monday, November 2 BillPay Service Discontinued beginning at 8:00 a.m. Monday, November 2. Payments scheduled to occur on or before Friday, November 6 will be processed as normal. Payments, including recurring payments, scheduled to occur after November 6 will not be processed. Access to the new system will begin on Monday, November 9 at start of business. Friday, November 6 through Sunday, November 8 Online Banking and Mobile Banking Convenience Banking Center (For Personal Service) ATMs Automated Account Service Line (Telephone Banking) Unavailable after close of business on Friday, November 6. You can enroll in the new systems beginning Monday, November 9 at start of business. Available Friday from 7:00 a.m. - 10:00 p.m. and 8:00 a.m. - 6:00 p.m. over the weekend by calling BANK (2265). First Community Bank ATMs will be unavailable on Friday, November 6 while they are being converted. Over the switch weekend, account information at ATMs will not be current and cash withdrawals will be limited to $210. Your current TellerPhone system will be available for balance inquiry only through Sunday, November 8. Monday, November 9 Online Banking, BillPay and Mobile Banking Automated Account Service Line (Telephone Banking) ATMs Available for enrollment at start of business by visiting fcbanking.com. Available for use at start of business by calling BANK (2265) and choosing option 1. Available for use with your First Commonwealth Bank cards. MEMBER FDIC 4

5 New Account Names The following chart lists the names of current First Community Bank accounts and the names of the First Commonwealth accounts to which they will be transferred. Your new account terms will take effect on Monday, November 9. First Community Bank Account Name Lifeline Checking (personal) Free Checking Regular Checking (personal) Second Chance Checking First Commonwealth Bank Account Name Hometown Checking Features Quick View A no-fee checking account packed full of powerful features and solutions and without monthly maintenance fees or requirements. T.H.I.S. ONE Checking Net Checking + Checking with Interest (personal) Hometown Checking + Interest All of the benefits of a Hometown Checking account PLUS a competitive, tiered interest rate applied to your monthly balances. Customers can upgrade at no extra charge with $1,000 in monthly deposits OR $5,000 combined balance. Otherwise, only $5 per month. HIFI (personal) Hometown Money Market Account (personal) High-yield returns that increase as your deposits grow. Regular Savings (personal) Statement Savings (personal) Lifeline Checking (non-personal) Business Checking Checking with Interest (non-personal) HIFI (non-personal) Regular Savings (non-personal) Statement Savings (non-personal) Hometown Savings Free Business Checking Small Business Checking Plus Hometown Money Market Account (non-personal) Business Savings A no-fee account solution allows you to systematically save while providing a no-cost overdraft protection source for the Hometown Checking account. No monthly maintenance fees. No charge for up to 500 transactions per month. Business debit card at no charge. Image statements at no charge. Non-interest bearing. Competitive interest rates and unlimited cash deposits and check writing. High-yield returns that increase as your deposits grow. This savings account requires a low minimum account balance that may be perfect for a small business. Non-Term IRA IRA Savings Make additional deposits of at least $25 at any time. Traditional IRA contributions are generally tax deductible for the tax year in which they are made. Non-Term Education IRA CESA IRA Savings Make additional deposits of at least $25 at any time. Withdraw anytime for educational expenses. Non-Term ROTH IRA ROTH IRA Savings Make additional deposits of at least $25 at any time. Tax-free distributions if qualifications are met. Term IRA IRA Certificate of Deposit (CD) Retirement savings with the safety and security of FDIC insurance. Renewal term options from 90 days to 60 months. Term Education IRA CESA IRA CD Save for educational expenses. Renewal term options from 90 days to 60 months. Term ROTH IRA Roth IRA CD Retirement savings with the safety and security of FDIC insurance. Tax-free qualified distributions. Renewal term options from 90 days to 60 months. Certificate of Deposit (CD) Certificate of Deposit (CD) Renewal term options from 90 days to 60 months. Transfer your monthly interest to a First Commonwealth checking or savings account. For a full listing of our account features and benefits, please visit fcbanking.com/welcome or review our literature at your local office after the switch weekend. 5

6 DEPOSIT ACCOUNT INFORMATION Checking Accounts: Your account numbers will not change. You will be issued new standard checks at no cost and will receive them the week of November 2. For your security, please discontinue use of and shred your First Community Bank checks after Monday, November 9. Debit Cards: You will receive a new chip-enabled First Commonwealth Bank MasterCard debit card approximately one week prior to conversion. Activate your card, including choosing your new PIN (personal identification number), and begin using it on Monday, November 9. Your new card can also be used as your ATM card. You can use your current First Community Bank VISA/ATM check card through Sunday, November 8. Visit fcbanking.com/chipcard to learn more about our chip-card security and benefits. Remember to change any debit card information that might be linked as a payment to sites like PayPal and Amazon. NEW ATMs: As part of the First Commonwealth family, you will have access to the Freedom Alliance and Allpoint Networks, with more than 55,000 surcharge-free ATMs worldwide. Visit fcbanking.com/allpoint for a full listing of locations. Please note that you will no longer be able to access MoneyPass ATMs surcharge-free as of Monday, November 9. Direct Deposit and Automatic Payments: Any direct deposits, recurring deductions or payments scheduled with third parties outside of BillPay, and not attached to your current VISA/ATM check card, will continue to occur and will not be interrupted throughout the switch weekend. If you want to validate any automatic payments or deposits made to your account during the switch weekend, you can do so on Tuesday, November 10 by utilizing First Commonwealth s Online Banking, Mobile Banking, Telephone Banking or contacting our Convenience Banking Center at BANK (2265). Overdraft Protection: An overdraft occurs when you do not have enough money in your account, or a linked account, to cover a transaction, but we pay it anyway. We do authorize and pay overdrafts for checks, other transactions made using your checking account number, and automatic bill payments. We do not authorize and pay overdrafts for ATM and everyday debit card transactions unless you opt in to coverage for these transactions. First Commonwealth s Overdraft and Non-Sufficient funds fee structure is a flat fee of $35.00 per item. The Overdraft and Non-Sufficient funds fees are limited to four (4) per day with a maximum of $ per day. A fee will not be assessed on days where your daily negative balance is $5.00 or less. Our Continuous Overdraft Fee is $8.00 per day starting on the 5th consecutive calendar day on which your account is overdrawn. If you have further questions about First Commonwealth Bank s overdraft protection plans, please refer to the disclosure packet included with this booklet, contact your local office or contact the Convenience Banking Center at BANK (2265). CDs and IRA CDs: The term and interest rate on your First Community Bank CDs and IRA CDs will continue as is until maturity. You will receive a notice from First Commonwealth before maturity, allowing you time to make any renewal decisions during the 10-day grace period following the maturity date. You can choose between terms of 90 days to 60 months. IRA customers will receive a statement each January that shows prior year activity. Contact us at maturity for current rates. Non-term Variable Rate IRA Savings: Includes Traditional, Roth and CESA. Rates on these accounts will assume the current First Commonwealth rate after the switch weekend. These accounts pay interest monthly. Safe Deposit Boxes: There s no change at this time to your safe deposit box services. 6

7 LOAN ACCOUNT INFORMATION Loan Transfer and Servicing: On November 9, your First Community Bank loans will be transferred to and serviced by First Commonwealth Bank. All payments on your loan should be remitted to: First Commonwealth Bank Payment Processing Center P.O. Box 537 Indiana, PA For service inquires, contact our Convenience Banking Center at BANK (2265). Home Equity and Real Estate Loans: After the switch weekend, instead of using a coupon booklet, you will receive monthly loan statements. Your autopay dates and account numbers will not change. Your loan statement will be produced 25 days prior to due date. Any rate changes will be reflected on this monthly statement. The First Commonwealth statements will not show your date of auto draft. You will receive separate statements for each loan you have; however, you can request a combined loan statement by contacting your local office after the switch weekend. Commercial Real Estate Loans: Your loan statement will be produced 10 days prior to due date. Any rate changes will be reflected on this monthly statement. If there are any additional changes, you will receive a letter from us outlining those changes. ACCOUNT STATEMENTS The design and look of any statements and notices you receive will change following the switch weekend. The last statement you will receive from First Community Bank will show activity through November 6. After that, you will receive paper statements from First Commonwealth Bank. For savings and money market accounts, you will receive monthly statements and interest will be paid monthly. Personal accounts: If you previously received check images with your statements, you can view the check images through First Commonwealth s Online Banking after the switch weekend. You can also request to receive check images with your monthly statements for a fee of $3 each month by contacting your local office or calling BANK (2265). Business accounts: You will continue to receive check images with your statements at no charge. They can also be viewed on First Commonwealth s Online Banking. estatements We are happy to continue to offer you access to estatements following the switch weekend. Instructions for enrolling in Online Banking can be found on page 8, which is required in order to receive estatements. Once enrolled, simply select the enotices tab to enroll and to view options to receive additional notifications electronically. AUTOMATED ACCOUNT SERVICE LINE (TELEPHONE BANKING) Following the switch weekend, you will still have access to automated telephone banking. Just call First Commonwealth s telephone banking number at BANK (2265) and press 1 on the main menu. You will be prompted to set up a new PIN to access the telephone banking system during your enrollment. Want to open a new checking, savings or money market account? You can now apply for an account online. Visit fcbanking.com for more details or check out the Open Account tab in First Commonwealth s Online Banking. 7

8 ONLINE BANKING, BILLPAY AND MOBILE BANKING SERVICES Access to your First Community Bank Online Banking will continue until close of business on Friday, November 6. Beginning Monday, November 9 you will be able to enroll for First Commonwealth s Online Banking by visiting fcbanking.com and selecting Enroll in Online Banking. NEW Your new Online Banking will feature personal financial management tools, including the ability to view all of your external bank and investment accounts in a single location, in addition to features like alerts and automatic transfers. You will also be able to view checks, have options to receive bank notifications electronically, as well as enhanced security options to keep you safe. You can also continue to use account nicknames to help you track your spending and savings. These features are displayed in an intuitive and user-friendly design, allowing greater customization of your Online Banking experience. Accessing Your Online Banking: Steps for Logging In the First Time 1. Select Enroll in Online Banking from fcbanking.com using the current or prior major releases of Internet Explorer, Firefox, Safari and Chrome. 2. Review and accept the Online Banking Agreement. 3. Follow the prompts to provide your Social Security Number, Account Number, and address. If your address does not match what we have on file from First Community Bank, you will be prompted to call our Convenience Banking Center. 4. Click Send Verification. 5. On the same device upon which you initiated enrollment, open the verification you receive and click on the link provided. Make sure your address with First Community is current, as this is used as part of the enrollment process. 6. Follow the prompts to establish additional security settings and complete your enrollment. BILLPAY Your First Community Bank BillPay system will continue through Monday, November 2. Payments scheduled to occur on or before Friday, November 6 will be processed as normal. Payments, including recurring payments, scheduled to occur after November 6 will not be processed. Access to the new system will begin on Monday, November 9 at start of business. To access your new BillPay, simply click the BillPay tab within your new Online Banking. Upon doing so, you can expect the following: Payments: Payments can be scheduled through the new BillPay system starting Monday, November 9 by clicking the BillPay tab within any First Commonwealth Online Banking screen. Payment History: Your payment history will not transfer. Please refer to the checklist on page 11 for instructions on saving your history prior to the switch weekend. Payees: Your payee history, as well as payee list, will not transfer. You can easily add payees by selecting Add New Payee under the BillPay tab. NEW ebills: Your current electronic bills (ebills) will be discontinued during the switch weekend, and you will start to receive paper bills again, which can be discontinued by contacting your service provider. You can enroll in the First Commonwealth ebills, which will provide the balance, date due, and amount owed for each payee. Account-to-Account and Person-to-Person payments: Account-to-account (external transfers) and person-toperson payments are available to you within BillPay. With account-to-account transfers, you can move money from your First Commonwealth accounts to accounts you may have at another financial institution. The person-to-person transfer feature lets you send money to your friends, family or anyone with an address. There is a $.50 fee for each account-to-account transfer and/or person-to-person transfer you make. You can also enjoy a person-toperson Gift Check feature for an additional fee of $2.99. This allows you to deliver money electronically along with a personalized egreeting. To view a demo of the new BillPay system, visit fcbanking.com/welcome. 8

9 ONLINE BANKING, BILLPAY AND MOBILE BANKING CONTINUED Navigation Easy-to-use navigation tabs give you one-click access to your account activity, electronic notices and statements, online BillPay, budgeting tools, customizable homepage options and settings. For more information on navigating the new Online Banking or to view a demo, visit fcbanking.com/welcome. Customize Your Homepage Your new Online Banking offers a customizable homepage called MY VIEW under the Online Banking tab. To customize: 1. Select MY VIEW and click the Configure this page link at the top. 2. Select a column to configure, then drag and drop or use the arrows to move the sections, or widgets, easily around the page to a view you prefer. 3. Save your settings. 4. Select Set as start page to make MY VIEW your Online Banking homepage. Transfers If you currently have recurring transfers, you will need to re-establish them within Online Banking beginning Monday, November 9. Transfers can be accessed through the Internal Transfer or External Transfer options under the Online Banking tab. Alerts Your current Online Banking alerts will not transfer to your new Online Banking but can be established once you enroll by selecting the Alerts option under the Settings tab within the new Online Banking. NEW My Finance As an enhancement with First Commonwealth s Online Banking experience, you will now have access to My Finance, a free financial management tool that lets you: Develop a budget to manage your everyday banking Set goals to help you save with a purpose Track accounts and organize spending through customizable categories Import account information from other financial institutions to keep track of all your financial activities, such as other bank accounts, credit cards and investments Monitor activity through customizable financial management alerts The My Finance dashboard screen shows a comprehensive illustration of your financial activities to help you manage your big picture. Getting started in My Finance is easy. Simply select the My Finance tab in Online Banking and follow the instructions. Not an Online Banking customer? You can enroll in our Online Banking beginning Monday, November 9 by visiting fcbanking.com. 9

10 ONLINE BANKING, BILLPAY AND MOBILE BANKING CONTINUED ADDITIONAL SERVICES FOR BUSINESS ONLINE BANKING USERS Enrolling: To enroll in Business Online Banking after the switch weekend, you may contact our Convenience Banking Center at BANK (2265). On first log in, you will experience an additional security step and will be asked to enter your primary contact phone number to receive a call-back verification. Call-back verification, including the use of a one-time passcode, may be required for you to conduct certain transactions. This significantly enhanced security feature adds another layer of protection for you and your business. NEW Establishing Sub-User Settings: With First Commonwealth s Online Banking, you will be able to have sub-users within your Business Online Banking account. These sub-users can have different access within Online Banking, including the authority to conduct transfers, ACH initiation and wire setup and initiation. The Administrator must establish the sub-user entitlements in order for the sub-user to have access to the accounts. When accessing the new Online Banking, select the Manage Users option under the Treasury tab to add or modify users that you wish to grant access and conduct transactions on your behalf. MOBILE BANKING AND MOBILE DEPOSIT After the switch weekend, you will have access to our mobile banking app for iphone, Android and ipad, in addition to the mobile web experience. Access to your First Community Bank mobile web banking will be available through close of business Friday, November 6. Starting Monday, November 9, mobile web banking will be available by enrolling within First Commonwealth Bank s Online Banking. NEW Better yet, beginning Monday, November 9, you can download the free First Commonwealth Bank app from the online store which supports your device (i.e. itunes or Google Play). Before you log in to the new app, visit the Mobile Banking option under the Settings tab within your new Online Banking to enroll in mobile banking. 1 To get started with mobile deposit 2, enroll at fcbanking.com/mobiledeposit. Text Banking Beginning Monday, November 9, you can enroll in our free text banking service 1. Mobile SMS (Text) Banking gives you the functionality to perform tasks such as requesting account balances and viewing recent transaction history. Once you are enrolled through the Mobile Banking option under the Settings tab of Online Banking, just send text messages 1 using the below commands to and access your account details anytime from anywhere. Bal=All Accounts Balance Bal Mobile Short Name=Single Account Balance Hist=All Accounts Recent Activity Hist Mobile Short Name=Single Account Activity Help=Commands Stop=Cancel 1 Standard message, data and internet service provider rates may apply, so check with your service provider. 2 To qualify for this service, customers must have a 30-day established relationship with First Commonwealth Bank and active checking account status. 10

11 SWITCH WEEKEND CHECKLIST Use this checklist to help prepare for a smooth transition during our switch weekend. MONDAY, NOVEMBER 2 Before 8:00 a.m. Schedule any bill payments using your First Community Bank system to occur before Friday, November 6. Print or make note of any bill payment history, estatements or check images that you want to retain. FRIDAY, NOVEMBER 6 Before close of business Complete any Online or Mobile Banking tasks in the First Community Bank system, including modifying scheduled transfers. Access to Online and Mobile Banking will be available through close of business on Friday, November 6. Make note of any online alerts or transfers between accounts that you have set up as they will need to be reestablished. Review the disclosures, including the Schedule of Fees, found in the packet included with this booklet. BEGINNING MONDAY, NOVEMBER 9 After start of business and ongoing Enroll in Online Banking by clicking on Enroll in Online Banking at fcbanking.com. Follow Logging In the First Time and Customize Your Homepage instructions on pages 8 and 9. Enroll in electronic delivery of estatements or additional notices under the enotices tab of Online Banking. Add online alerts using the Alerts option under the Settings tab of Online Banking. Re-establish or set-up transfers between accounts under the Internal or External Transfers tab in Online Banking. Add BillPay payees and payment accounts under the BillPay tab of Online Banking. Set up My Finance information and link your other bank and investment accounts under the My Finance tab of Online Banking to take advantage of our new free financial management tool. Download the First Commonwealth Bank Mobile Banking app from the itunes or Google Play store. Activate and begin using your First Commonwealth Bank debit card. Access our branch ATMs and Allpoint Network ATMs surcharge-free. For businesses - Establish sub-user entitlements under the Treasury tab within the new Online Banking. We know that switching is a lot of work, so THANK YOU for your patience. Welcome! 11 MEMBER FDIC

12 FREQUENTLY ASKED QUESTIONS Why is First Commonwealth Bank acquiring First Community Bank? Lots of reasons. First Commonwealth currently operates more than 100 branches in Western Pennsylvania and one commercial loan office in Cleveland. First Commonwealth likes the geography and the demographics of the Central Ohio area and is interested in expanding here. We also like the community bank vision that the two banks share - to put the financial well-being of our customers and our communities above all else. When will the acquisition occur? We have obtained all of the necessary regulatory approvals and are planning to complete the acquisition on Thursday, October 1. Should customers expect to see a lot of changes around that time? Not really. It won t be until early November that all of the First Community account information, products and services are converted into the First Commonwealth Bank system. Monday, November 9 is the first business day that we expect any formal changes. Will the office hours and locations change? No, each of the four First Community Bank offices will continue to operate the same hours they have today with the exception that if your office is normally open on Saturdays, it will be closed on Saturday, November 7. Will the bank still be FDIC insured? Yes. First Commonwealth Bank is an FDIC insured institution. What will happen to my account? Before Monday, November 9, nothing. You can continue to use your checks, deposit tickets, direct deposits, online banking, Visa/ATM check card, etc., through close of business on Friday, November 6. We are working hard to minimize the amount of disruption the transition will cause our clients. How does this transition benefit me? You will have access to many more products and services, including mortgage and other lending solutions, enhanced Online Banking and BillPay and a mobile banking app and mobile payment solutions. Business customers will have access to additional financing solutions, a full line of cash management solutions and a complete set of payment processing options to help manage payments with credit and debit card processing. Do we still have the MoneyPass ATM network? Your surcharge-free access to MoneyPass ATMs will end when you activate your new First Commonwealth debit card on Monday, November 9. However, you will have access to 55,000 surcharge-free ATMs worldwide through the Allpoint Network. Just like you currently look for the MoneyPass sign at ATMs to locate surcharge-free options, you can now look for the Allpoint Network logo. Download the Allpoint ATM Locator App from your app store to instantly find surcharge-free ATMs near you or visit fcbanking.com/allpoint. MEMBER FDIC 12

13 EARN UP TO $500 1 for referring your friends and family to First Commonwealth Bank! We like to celebrate when our customers spread the word about our convenient banking solutions. When you refer a friend to First Commonwealth Bank, you could get a $50 Visa Reward Card 1, (up to $500 per calendar year). Did we mention your friend could earn a reward card too? Visit referlive.com/fcbanking or call to begin referring your friends and family. 1 Terms & Conditions Refer-A-Friend Checking Account Offer: The person making the referral (Referrer) will earn a $50 Visa Reward Card for each individual or business referred (Referred Person or Business) to First Commonwealth Bank, who does not already have a First Commonwealth Bank checking account, registers for the offer, opens a new First Commonwealth personal or business checking account and completes the other requirements within the time specified in the offer. To make a referral, the Referrer must register for the program, agree to these Terms and Conditions, and submit a valid address for both the Referrer and each Referred Person or Business. A Referrer may receive up to ten (10) Reward Cards ($500 value) within a calendar year, but only one Referrer may receive a Reward Card for each Referred Person or Business who fulfills the requirements (the first Referrer that enters information for a Referred Person or Business will be the eligible Referrer). The Referred Person or Business may only receive one Reward Card for opening an account and completing the requirements, but may also be eligible as a Referrer. As the referrer, by using the ReferLive, the person you are referring may infer that you are a customer of First Commonwealth Bank. Personal Program Qualifications: To earn a $50 Visa Reward Card, the Referred Person must register by following the link provided in the referral or on social media, agree to the Terms and Conditions, open a new First Commonwealth Bank personal checking account after receiving the or social media offer through the official means of the program. Minimum deposit to open the account is $50. You must complete the following requirements within 60 days after account opening. Enroll in estatements, AND Establish one (1) direct deposit of at least $250 or more, OR Complete ten (10) qualifying debit card transactions that must post and clear the account. Qualifying direct deposits include regular monthly income electronically deposited by a third party. Qualifying debit card transactions include signature and PIN-based debit card transactions. Variable-Rate Annual Percentage Yield (APY) for the Hometown checking + Interest Package varies by tier. For example, as of 06/15/2015, APY by tier is: 0.01% for $500+; 0.01% for $2,500+; 0.01% for $10,000+. Rate and APY may change after the account is opened. Fees may reduce earnings on the account. As the referred customer, by using ReferLive, the referrer may infer that you are a customer of First Commonwealth Bank. Business Program Qualifications: To earn a $150 Visa Reward Card, the Referred Business must register by following the link provided in the referral or on social media, agree to the Terms and Conditions, open a new First Commonwealth Bank Business checking account with a First Commonwealth Bank MasterCard business Debit Card after receiving the or social media offer through the official means of the program. Minimum deposit to open the account is $100. You must complete the following requirements within 60 days after account opening. Enroll in estatements, AND Complete ten (10) qualifying debit card transactions that must post and clear the account Qualifying debit card transactions include signature and PIN-based debit card transactions. As the referred customer, by using ReferLive, the referrer may infer that you are a customer of First Commonwealth Bank. IOLTA accounts, MJ-IOTA, and Estate accounts do not qualify for this offer. Please allow 4-6 weeks after completion of all requirements for delivery of your Visa Reward Card (Bonus) to the physical address provided. Bonus may be reported as income to the IRS. The Bonus offer is not available if the Referred Person or Business already has a First Commonwealth Bank checking account, and may not be combined with any other offers. The program may be discontinued or changed at any time without notice. The Referrer authorizes the sending of communications to each Referred Person or Business. The may not be recovered if the person has opted out of marketing material from First Commonwealth Bank or ReferLive. Each person who registers at ReferLive authorizes future communications including s regarding the program unless they opt out by making an election at ReferLive or within such . Returned/invalid addresses and non-deliverable addresses are not the responsibility of First Commonwealth Bank or its third party vendors. The Referred Person or Business acknowledges that a Reward Card will be issued to the Referrer after all conditions have been met in the time frames provided. The Reward MEMBER Cards FDIC will be mailed to the addresses within the ReferLive registration system. The Reward Cards are subject to Terms and Conditions delivered with the card, including limitations on types of transactions for which they may be used. Employees and immediate family members of First Commonwealth Bank can participate in the referring of a family member or friend, though the employee will not receive the referral bonus. Visa is a registered trademark of Visa, Inc. Visa is not a participant or sponsor of this promotion. MEMBER FDIC

14 MEMBER FDIC MEMBER FDIC

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