We re thrilled to share some exciting news! On May 8, 2015, Integrity Bank will become a division of S&T Bank.

Transcription

1 Welcome Guide

2 We re thrilled to share some exciting news! On May 8, 2015, Integrity Bank will become a division of S&T Bank. As an Integrity Bank customer you are accustomed to More, Faster, Better banking, and you have our commitment as well. At S&T Bank you ll find we re also focused on giving you more products, faster services, and better of everything. For more than a century S&T Bank has served western Pennsylvania with relationship banking focused on one customer at a time through a personalized relationship banking focus. From local businesses, to families, to individuals S&T Bank knows each person s financial needs are different and important. It s why we offer a wide array of services to help you do more with your money. Combined we will have 63 offices and 70 ATMs in 16 counties in Pennsylvania. We ve built a network based on convenience and customer service. In addition, we offer additional products such as financial planning and insurance services. S&T Bank has everything you need to build a brighter financial future. We anticipate converting our systems and accounts on May 11. Our main goal through this entire process is to ensure a smooth transition for all of our customers. This welcome guide will do just that. It will walk you step-by-step through the transition of your accounts. All the information you need is available within the guide and online at stbank.com or integritybankonline.com. If you have any questions, please feel free to contact us at Thank you for your trust and loyalty. We look forward to serving you. Sincerely, Todd D. Brice President & CEO, S&T Bank James T. Gibson President & CEO, Integrity Bank

3

4 Table of Contents Timeline Personal Banking Online Banking Fee Schedule Business Banking Online Banking Fee Schedule Debit Card ExpressLine Map & Locations Business Debit Card Agreement Deposit Account Agreement Privacy Notice integritybankonline.com

5 Timeline Pending regulatory approvals, on Friday, May 8, 2015, Integrity Bank branches and accounts will officially transfer or convert to Integrity Bank a division of S&T Bank. April 30 - New debit cards begin arriving in the mail May 8 at 11 am - New debit cards can be activated May 8 at 1 pm - Integrity Bank Debit Cards will become inactive May 8 at 4 pm - All Integrity Bank offices will close May 8 at 5 pm - Consumers using Integrity Bank Online Banking will no longer have access to their current online banking account. May 11 - Former Integrity Bank offices open as Integrity Bank a division of S&T Bank offices May 11 at 9 am - Consumers may begin using online and mobile banking As part of the Integrity and S&T Bank families, you will be able to do your banking at any of the 64 branches or online at integritybankonline.com. You may also contact our Direct Banking Center at

6 Personal Checking Topic Your Deposits Conversion Details Pending regulatory approvals, Integrity Bank deposits will officially become S&T Bank deposits on Friday, May 8, The following icons will help you navigate your transition by alerting you to important times and dates, areas where your attention is required, and account changes or updates. Watch For Indicates important times and dates, or information you will receive. Your Next Step Alerts you to something that requires you to take action. Change or Update Identifies a change or update that you need to be aware of. 6 integritybankonline.com Your Account Number(s) Your Account Name Your Checks Direct Deposit Checking & Money Market Accounts: If your current account number is 9 digits, it will remain the same. If your current account is 10 digits, we will remove the first digit of the account number and your new account number will be 9 digits. Savings Accounts: If your current account number is 10 digits, it will remain the same. If your savings account number is only 9 digits, we will add a 1 to the beginning of the account number. Certificates of Deposit: All CD account numbers will become a 10 digit account number with a 2 at the beginning of the account number. If your account number is already 10 digits, we will drop the first number and replace it with a 2. Line of Credit Accounts: All unsecured lines of credit and home equity lines of credit will be replaced with a 9 at the beginning of your current line of credit account number. Checking Savings Product Old Account Number New Account Number Certificates of Deposit Lines of Credit You may continue to use your current supply of personalized checks, deposit and withdrawal slips. When ordering new checks, please visit your local office or contact our Direct Banking Center at We have chosen Deluxe Financial Services as our preferred check supplier. If you choose to order from another check vendor, please provide the routing number below and your new account number to the check vendor. S&T Bank s routing number is Your current Integrity Bank account name is listed on your account statement. Begin on page 9 to find details on your new account. If you currently receive direct deposit, it will continue. No action is required.

7 Topic Automatic Payments and Preauthorized Debits from your Account Conversion Details If you currently have an automatic payment or preauthorized debit that uses your checking/savings account number, it will continue. No action is required. You will receive one last statement from Integrity Bank after May 8, Then you will receive Integrity Bank a division of S&T Bank statements on your regular statement cycle. Statements Statement savings customers will receive quarterly statements. If there is electronic activity to the savings account, a statement will be generated for that month. You will no longer receive combined statements. Paper Statements There will be a $2 monthly fee to receive a paper statement on your checking account. We will waive the fee for 90 days. Customers can receive free online statements through online banking. Four Star Interest Checking and savings accounts will receive paper statements at no cost. Image Statements You will no longer receive images of your checks with your statement. If you would like to receive check images with your statement, please visit your branch or contact our Direct Banking Center at To receive an image statement, there may be an additional $2 monthly fee. Check images are available at no cost through online banking. FDIC Insurance Safe Deposit Box Personal Loans Certificates of Deposit FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities. The standard insurance amount is $250,000 per depositor; per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met. When the deposits of Integrity Bank - a division of S&T Bank, are acquired by S&T Bank on May 8, 2015, the newly acquired deposits are separately insured from any other funds a depositor may have at S&T Bank for a grace period of six months. This grace period allows depositors an opportunity to restructure their accounts when they have funds in excess of maximum coverage limits due to the merger of financial institutions. In addition, time deposits acquired by S&T Bank are separately insured until the earliest maturity date or six months after the merger date of May 8, 2015, whichever occurs later. After this grace period ends, deposits held at Integrity Bank - a division of S&T Bank, and S&T Bank will be combined for FDIC Insurance purposes. Your safe deposit box and related fee will remain the same until December 31, You will be notified of any future fee changes. Your personal loans will be transferred to S&T Bank. No action is required. Your CD will transfer with no action required. We offer a variety of options to suit your investment needs. As your Integrity Bank certificate of deposit matures, the CD will automatically renew to a like term CD. Please visit your local office or call the Direct Banking Center at for current rates and fees

8 Personal Checking Topic Overdraft Protection from Line of Credit or Savings Account Conversion Details A $10 transfer fee will be charged to the receiving deposit account each time a transfer occurs. Line of Credit or Home Equity Line of Credit Checks Your current line of credit checks can be used for your own personal and home equity line of credit accounts. If you would like to order new line of credit checks, please contact our Direct Banking Center at Line of Credit or Home Equity Line of Credit Payment Due Date Your payment due date may be different. Your bill will be produced on the same day every month and your payment will be due 25 days after your bill is produced. If you wish to change the billing date for your line of credit or home equity line of credit, you may call our Direct Banking Center at Credit Card You may continue to use your Integrity Bank Credit Card. Please continue to mail your payment to the address provided on your credit card statement. For more information on credit card options, please contact our Direct Banking Center at Mortgage Loan or Home Equity Loans You will begin receiving periodic loan statements after May 11. These statements will provide you with information regarding your loan account and can be retained for your records. If you are paying by automatic draft from a checking account, your payment will continue to draft. If you are paying with a coupon book: You may tear off the bottom portion of your loan statement and use for payment remittance. You can continue to use your coupon book for payment remittance, but please note that the coupon book will not be reissued. You may contact our Direct Banking Center at to set up automatic draft payments. 8 integritybankonline.com

9 Personal Checking If your current Integrity Bank account is: Young Savers Checking Classic Checking Direct Free Interest Checking Totally Free Checking Advantage Checking Elite Checking Fruitville Premier Grand Opening Promo High Yield Checking HPC High Yield Checking Privileged Checking Your new account is: Smart Start Banking - Account for students ages No minimum balance - No monthly maintenance fee - Daily card limit - $250 - ATM Transactions: Unlimited free ATM transactions at S&T Bank and Integrity Bank ATMs Non S&T Bank and Non Integrity Bank ATM withdrawal fees are waived up to two times per statement cycle Up to two surcharge fees (fee charged by other banks to use their ATM) are reimbursed per statement cycle Free Checking* - No Minimum Balance - No Monthly Maintenance Fee - ATM Transactions: Unlimited free ATM transactions at S&T Bank and Integrity Bank ATMs Six Non Integrity or Non S&T Bank ATM usage fees per monthly cycle are waived, however surcharge fees (fees charged by other banks to use their ATM) will be assessed. Preferred Interest Checking* - Monthly maintenance fee - $15 - No monthly maintenance fee will be assessed for: Maintaining a minimum daily balance of $1,000 or Having combined consumer deposit and outstanding HOME Center balances of $50,000** or more - Debit Rewards $0.05 per signature transaction - ATM Transactions: Unlimited free ATM transactions at S&T Bank and Integrity Bank ATMs S&T Bank and Integrity Bank do not charge you to use another bank s ATMs plus reimburses up to 10 surcharge fees (fees charged by other banks to use their ATMs) per statement cycle. - Variable interest rates. Interest is calculated daily and compounded monthly. * Account features not available for new accounts. **Combined deposit balances include: all personal checking, savings or time deposits. Combined HOME Center balances include: outstanding balances on mortgages serviced by S&T Bank, home equity loan and home equity line outstanding balances. HOME Center balances do not include Rewards Visa or PHFA mortgages. Transaction and service fees, including insufficient funds and overdraft fees, may apply to these accounts. Debit Cards can be used at locations displaying the NYCE, CIRRUS, and Visa logos. Your Integrity Bank account name is listed on your account statement

10 If your current Integrity Bank account is: Your new account is: 50+ Free Interest Checking Four Star Interest Checking Account for ages 50 and over - Monthly maintenance fee $10 - No monthly maintenance fee will be assessed for: Maintaining a minimum daily balance of $1,000 or Having combined consumer deposit and outstanding HOME Center balances of $5,000** or more - ATM Transactions: Unlimited free ATM transactions at S&T Bank and Integrity Bank ATMs Non S&T Bank and Non Integrity Bank ATM withdrawal fees are waived, does not include surcharge fees (fee charged by other banks to use their ATM) - Variable interest rates. Interest is calculated daily and compounded monthly. GO Checking with Interest Premier Checking Personal Interest Checking* - Monthly maintenance fee $10 - No monthly maintenance fee will be assessed for: Maintaining a minimum daily balance of $1,000 or Maintaining an average monthly balance of $2,500 or Having combined consumer deposit and outstanding HOME Center balances of $20,000** or more - ATM Transactions: Free ATM Banking at S&T Bank and Integrity Bank ATMs Six Non Integrity or Non S&T Bank ATM usage fees per monthly cycle are waived, however surcharge fees (fees charged by other banks to use their ATM) will be assessed. - Variable interest rates. Interest is calculated daily and compounded monthly. Health Savings Checking Health Savings Account* - No Minimum Balance - No Monthly Maintenance Fee - ATM Transactions: Free ATM Banking at S&T Bank and Integrity Bank ATMs - Variable interest rates. Interest is calculated daily and compounded monthly. * Account features not available for new accounts. **Combined deposit balances include: all personal checking, savings or time deposits. Combined HOME Center balances include: outstanding balances on mortgages serviced by S&T Bank, home equity loan and home equity line outstanding balances. HOME Center balances do not include Rewards Visa or PHFA mortgages. Transaction and service fees, including insufficient funds and overdraft fees, may apply to these accounts. Debit Cards can be used at locations displaying the NYCE, CIRRUS, and Visa logos. Access to Health Savings Accounts is not available at locations displaying the CIRRUS logo. Your Integrity Bank account name is listed on your account statement. 10 integritybankonline.com

11 Personal Savings & Investing If your current Integrity Bank savings account is: Integrity Savings Privileged Savings Escrow Savings Holiday Club Savings Young Savers Savings Your new savings account is: Statement Savings* - Minimum balance to open account $25 - Quarterly maintenance fee $6 (if balance falls below $200 minimum) - ATM Transactions: Unlimited free ATM transactions at S&T Bank and Integrity Bank ATMs Six Non Integrity or Non S&T Bank ATM usage fees per monthly cycle are waived, however surcharge fees (fees charged by other banks to use their ATM) will be assessed. - Excessive transaction fee $25/transaction (A maximum of six third party transactions are permitted per calendar month) - Variable interest rate. Interest is calculated daily and compounded quarterly. Escrow Savings* - No minimum balance - No maintenance fee - Unlimited transactions at Integrity and S&T offices. - Excessive transaction fee $25/transaction (A maximum of six third party transactions are permitted per calendar month) - Variable interest rate. Interest is calculated daily and compounded monthly. Basic Holiday Club* - No minimum balance - No maintenance fee - Variable interest rate. Interest is calculated daily and compounded and credited once per year. - You will receive a disbursement check in October 2015 for the balance in the account. Minor Statement Savings - $200 minimum daily balance. No minimum balance if primary accountholder is under the age of $6 quarterly maintenance fee waived for minors under the age of Unlimited transactions at Integrity and S&T offices or ATMs. - Excessive transaction fee $25/transaction (A maximum of six third party transactions are permitted per calendar month) - Variable interest rate. Interest is calculated daily and compounded quarterly. * Account features not available for new accounts. Transaction and service fees, including insufficient funds and overdraft fees, may apply to these accounts. Debit cards can be used at locations displaying the NYCE, CIRRUS, and Visa logos

12 If your current Integrity Bank savings account is: Your new savings account is: Money Market Money Market Promo Money Market Tiered Money Market - Monthly maintenance fee $10 (if balance falls below minimum daily balance or average monthly balance or combined balances) - Minimum daily balance requirement $1,000 or average monthly balance requirement $2,500 - No monthly maintenance fee will be assessed for combined deposit and HOME Center balances of $20,000** or more - Excessive transaction fee $25/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) - Tier Structure: $0 - $9, $10,000 - $24, $25,000 - $74, $75, Unlimited transactions at Integrity and S&T offices or ATMs. - Variable and tiered interest rates. Interest is calculated daily and compounded monthly. Money Market Check Money Market Check* - Monthly maintenance fee $15 (if balance falls below minimum daily balance) - Minimum daily balance requirement $5,000 - Excessive transaction fee $25/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) - Tier Structure: $0 - $9, $10,000 - $24, $25,000 - $74, $75, Unlimited transactions at Integrity and S&T offices or ATMs. - Variable and tiered interest rates. Interest is calculated daily and compounded monthly. * Not available for new accounts. **Combined deposit balances include: all personal checking, savings or time deposits. Combined HOME Center balances include: outstanding balances on mortgages serviced by S&T Bank, home equity loan and home equity line outstanding balances. HOME Center balances do not include Rewards Visa or PHFA mortgages. Your Integrity Bank account name is listed on your account statement. Transaction and service fees, including insufficient funds and overdraft fees, may apply to these accounts. Debit cards can be used at locations displaying the NYCE, CIRRUS, and Visa logos. 12 integritybankonline.com

13 Online Banking Topic Account Access Conversion Details Access to consumer online banking will be temporarily unavailable from 5 pm on Friday, May 8 until 9 am Monday, May 11. If you desire account information during that unavailable period, please contact our Direct Banking Center at and we will make every effort to assist you with the data that is available. We will be available extended hours the weekend of May 8 from 7 am to 9 pm on Friday, 8 am to 6 pm on Saturday and 10 am to 3 pm on Sunday. Online Banking Login Beginning Monday, May 11 at 9 am, you will be able to log in to online banking. Your user ID will remain the same. Your password will not convert. Please use the last four digits of your social security number as your temporary password. You will then be prompted to enter a new password. Please note that passwords must be alpha numeric and be 8-12 characters. For assistance, please contact our Direct Banking Center at Enhanced Security During your first log in to online banking, you will be asked to perform additional verification requirements beyond the user ID and password either by receiving a voice call or a text message. Prior to Friday, May 8, please be sure that you have updated your online banking contact information with current telephone and mobile numbers. Online Account History Billpay and Payee Information Account history will begin to accumulate as early as Thursday, March 5. Transaction history prior to that date will not be converted to online banking. We recommend that you print or download the history that you wish to retain prior to Thursday, May 7. We will mail a final account statement as of Friday, May 8. Should you require assistance with account history, please contact our Direct Banking Center at If you pay bills online, your bill payment information will be converted. We will convert all existing payees (name, address and account number) and all recurring and future-dated bill payments. Billpay will be temporarily unavailable from 5 pm on Friday, May 8 until 9 am on Monday, May 11. Should you require assistance with bill payment, please contact our Direct Banking Center at

14 Topic Conversion Details Billpay Limits and Inactivity If you are enrolled in billpay, your account will have a daily billpay limit of $2,500. Alternate limits are available upon request and review. One bill per month must be paid or you will be assessed a $3 per month inactivity fee. If you have any questions about billpay, please contact our Direct Banking Center at Internal Recurring and Scheduled Transfers Recurring and scheduled account-to-account transfers and transfers to loan accounts for payment purposes will convert. After Monday, May 11, you can view this transfer information under the Pay and Transfer section of online banking. Online Statements Your current history of online statements will no longer be available after Friday, May 8. If you would like to receive your account statements online, please click on Enroll in Statements in online banking. Online statements are available for checking, savings and loan accounts. Online statements will begin to accumulate following your enrollment. Address Upon log in to online banking, you will see your address on the Financial Center page of online banking. Please verify that your address is correct. If incorrect, please click on the change button and enter the correct address. Alerts Online banking alerts will not be converted. Please feel free to establish new alerts for balances, bill payments, transfers, etc. upon your first log in to online banking. They are available under the Customer Service tab. EBills Ebills will no longer be available. The vendor information will be retained and you can continue to make electronic payments to these vendors by executing the bill payment transaction or setting up a recurring payment. Mobile Banking Your current mobile banking will not convert. You will be able to enroll in mobile banking beginning Monday, May 11. Simply log in to your online banking account and choose Manage Mobile Banking. Follow the easy instructions to get started. Should you need assistance, please contact our Direct Banking Center at Mobile Deposit The ability to make a deposit using your smartphone is available with the mobile banking app downloaded from Google Play or the itunes Store. Customers making deposits to their account have a $1,000/transaction limit per day and a $5,000/monthly limit. Please refer to the fee schedule for complete details. 14 integritybankonline.com

15 Fee Schedule Miscellaneous Account Service Fees Services Check Orders (Checks must meet our quality standards for processing; otherwise your checks will be purchased through the vendor of our choice, at your expense.) Stop Payment Fee Overdraft Fee Transfer from Line of Credit or Savings account for overdraft protection Returned Item Fee Deposited Return Item Fee Transaction History Printout Irregular Statement Cycle Paper Statement Fee (All consumer checking, interest checking and money market accounts, excludes Four Star account) Image Statement Fee (Non CheckSafe Fee For consumers only) Personal Accounts with statements held at branch Interim Statement (without checks) or Statement Copy (without checks) Fees Prices vary depending on style selected. $35.00 per item $35.00 per item $10.00 per occurrence $35.00 per item $10.00 per item $1.00 per request $10.00 per request $2.00 per month $2.00 per month $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.) Statement Reconcilement and Research Fees Excessive Transaction Fee (Money Market and Savings accounts) Inactivity Fee (for checking accounts with a ledger balance of less than $100 and with no activity during previous 12 months) Replacement/Duplicate Debit Cards Mini Statement (Available only at S&T and Integrity ATMs) $5.00 per item $25.00 per hour ($25.00 minimum) $25.00 per transaction $5.00 per month $7.50 per card $

16 Fee Schedule Non S&T and Non Integrity ATM Transactions Services ATM Service Fees (ATM Deposits, ATM Withdrawals, ATM Inquiries, ATM Transfers to and from accounts)(excludes Preferred Account, Four Star & America s Choice accounts. See applicable disclosure) Fees $2.50 per transaction Consumer Online Banking Services Quicken Billpay Inactivity Fee (If an Online Banking user is signed up for BillPay, one bill per month must be paid via S&T s Online Banking with BillPay in order to avoid fee.) Fees $5.00 per month $3.00 per month Online Banking External Transfers (From S&T to another financial institution) SYNC online (personal financial management tool) Mobile Banking Mobile Deposit Expedited Fee Bill Payment ACH Check $3.00 per transfer FREE Carrier charges may apply $0.50 per deposited check (waived for Preferred Account) $14.95 per occurrence $19.95 per occurrence 16 integritybankonline.com

17 Fee Schedule Transfer of Funds Services Domestic Outgoing Wire (Customer) - Repetitive - Non-Repetitive Domestic Incoming Wire (Customer) International Outgoing Wire (Customer) International Incoming Wire (Customer) Fees $25.00 per wire $25.00 per wire $15.00 per wire $50.00 per wire $22.00 per wire Safe Deposit Boxes Services Various Sizes Available Loss of Keys: One Key (requires replacement with new lockset) Two Keys (requires drilling & lockset replacement) Fees $ $ per year $30.00 $ Collection Items Services Canadian Items Bond Coupons Return Coupon International Drafts Outgoing Collections Incoming Collections Fees $15.00 per item $5.00 per envelope $50.00 per bond Fee varies $25.00 per item $25.00 per item

18 Fee Schedule Miscellaneous Services Services Treasurer s Checks (sold to customers only) Domestic Money Orders Faxes sent within PA Faxes sent outside of PA Fees $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 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) 0.8% 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 $ per request $ per request 18 integritybankonline.com

19 Business Banking The following icons will help you navigate your transition by alerting you to important times and dates, areas where your attention is required, and account changes or updates. Watch For Indicates important times and dates, or information you will receive. Your Next Step Alerts you to something that requires you to take action. Change or Update Identifies a change or update that you need to be aware of. Topic Your Deposits Your Account Number(s) Your Account Name Your Checks Statements Sweep Accounts Remote Deposit Capture Conversion Details Pending regulatory approvals, Integrity Bank deposits will officially become S&T Bank deposits on Friday, May 8, Checking & Money Market Accounts: If your current account number is 9 digits, it will remain the same. If your current account is 10 digits, we will remove the first digit of the account number and your new account number will be 9 digits. Savings Accounts: If your current account number is 10 digits, it will remain the same. If your savings account number is only 9 digits, we will add a 1 to the beginning of the account number. Product Old Account Number New Account Number Checking / Money Market Savings You may continue to use your current supply of personalized checks, deposit and withdrawal slips. When ordering new checks, please visit your local office or contact our Direct Banking Center at We have chosen Deluxe Financial Services as our preferred check supplier. If you choose to order from another check vendor, please provide the routing number below and your new account number to the check vendor. S&T Bank s routing number is Your current Integrity Bank account name is listed on your account statement. Begin on page 21 to find details on your new account. You will receive one last statement from Integrity Bank reflecting activity through Friday, May 8, Then you will receive Integrity Bank a division of S&T Bank statements on your regular statement cycle. Your sweep accounts will be transferred to S&T Bank. No action is required. You will continue to have the ability to scan and transmit check deposits using your current scanner. A Cash Management representative will be in contact with you regarding any steps necessary to continue this service. As an additional benefit, deposits made prior to 8 pm, will have next-day funds availability.* If you do not currently use Remote Deposit Capture, we will be happy to meet with you to discuss how the service can help save you time and money. *All Remote Deposit items are subject to the requirements of the Bank s Funds Availability Policy. Please reference within the Deposit Account Agreement and Disclosures

20 Topic Conversion Details FDIC Insurance FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit. FDIC insurance does not cover other financial products and services that banks may offer, such as stocks, bonds, mutual fund shares, life insurance policies, annuities or securities. The standard insurance amount is $250,000 per depositor; per insured bank, for each account ownership category. The FDIC provides separate coverage for deposits held in different account ownership categories. Depositors may qualify for more coverage if they have funds in different ownership categories and all FDIC requirements are met. When the deposits of Integrity Bank - a division of S&T Bank, are acquired by S&T Bank on May 8, 2015, the newly acquired deposits are separately insured from any other funds a depositor may have at S&T Bank for a grace period of six months. This grace period allows depositors an opportunity to restructure their accounts when they have funds in excess of maximum coverage limits due to the merger of financial institutions. In addition, time deposits acquired by S&T Bank are separately insured until the earliest maturity date or six months after the merger date of May 8, 2015, whichever occurs later. After this grace period ends, deposits held at Integrity Bank - a division of S&T Bank, and S&T Bank will be combined for FDIC Insurance purposes. Wire Transfers Please visit your branch in the event that you require a wire transfer. If you currently initiate wire transfers through online banking, a Cash Management representative will be contacting you. Commercial Loans Your commercial loans will be transferred to S&T Bank. No action is required. Merchant Processing You can continue to process with your current system. No action is required. Non-Profit, Organization or State/Municipal Accounts Credit Card If you are a non-profit organization or state/municipality, your new account will be converted as the new account listed on pages as a non-profit organization or state/municipality. If you have any questions, contact our Direct Banking Center at You may continue to use your Integrity Bank Credit Card. Please continue to mail your payment to the address provided on your credit card statement. For more information on credit card options, please contact our Direct Banking Center at integritybankonline.com

21 Business Banking If your current Integrity Bank account is: Business Checking Express Banker Proprietor Checking Totally Free Business Checking Totally Free Checking* Escrow Checking Government Non Interest Checking Advantage Checking* Business Interest Checking Cash Management Elite Checking* Express Banker HYC* Express Banker with Interest GO Checking with Interest* Grand Opening Promo High Yield Checking* HPC High Yield Checking* EB Hi Yield Non Profit Checking Hi Yield Non Profit Checking Government Investment Fixed Your new account is: Basic Business Checking - No minimum balance - No monthly maintenance fee Escrow Checking** - No minimum balance - No monthly maintenance fee State and Municipal Checking - No minimum balance - No monthly maintenance fee Corporate Interest Checking** - Minimum daily balance of $2,500 or average monthly balance of $3,000 - $12 monthly maintenance if one of the above balance requirements are not met - Variable interest rate. Interest is calculated daily and compounded monthly. Non Profit Interest Checking - Minimum daily balance of $2,500 or average monthly balance of $3,000 - $12 monthly maintenance if one of the above balance requirements are not met - Variable and tiered interest rate. Interest is calculated daily and compounded monthly. State & Municipal Interest Checking - Minimum daily balance of $2,500 or average monthly balance of $3,000 - $12 monthly maintenance if one of the above balance requirements are not met - Variable interest rate. Interest is calculated daily and compounded monthly. *If you are a non-profit organization or state/ municipality your new account will be converted as the new account listed above but classified as a non-profit organization or state/municipality. **Not available for new accounts Your Integrity Bank account name is listed on your account statement

22 If your current Integrity Bank account is: Money Market* Money Market Business Money Market Promo* Money Market Tiered* Money Market Check Government Money Market Your new account is: Business Money Market - Minimum daily balance of $2,500 or average monthly balance of $3,000 - $12 monthly maintenance if one of the above balance requirements are not met - Unlimited transactions at Integrity Bank or S&T Bank offices or ATMs. - Excessive transaction fee $25/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) - Variable and tiered interest rate. Interest is calculated daily and compounded monthly. - Tier Structure: $0 - $9, $10,000 - $24, $25,000 - $74, $75,000+ Money Market Check** - $5,000 minimum daily balance - $15 monthly maintenance fee applies if above balance requirements are not met. - Unlimited transactions at Integrity Bank or S&T Bank offices or ATMs. - Excessive transaction fee $25/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) - Variable and tiered interest rate. Interest is calculated daily and compounded monthly. - Tier Structure: $0 - $9, $10,000 - $24, $25,000 - $74, $75,000+ State and Municipal Money Market - Minimum daily balance of $2,500 or average monthly balance of $3,000 - $12 monthly maintenance if one of the above balance requirements are not met - Unlimited transactions at Integrity Bank or S&T Bank offices or ATMs. - Excessive transaction fee $25/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) - Variable and tiered interest rate. Interest is calculated daily and compounded monthly. - Tier Structure: $0 - $9, $10,000 - $24, $25,000 - $74, $75,000+ *If you are a non-profit organization or state/ municipality your new account will be converted as the new account listed above but classified as a non-profit organization or state/municipality. **Not available for new accounts Your Integrity Bank account name is listed on your account statement. 22 integritybankonline.com

23 If your current Integrity Bank account is: Business Integrity Savings Integrity Savings Privileged Business Savings Privileged Savings Escrow Savings Non Interest Escrow Savings PF Your new account is: Business Statement Savings - Minimum balance to open account $25 - Quarterly maintenance fee $6 (if balance falls below $200 minimum) - Excessive transaction fee $25/transaction (A maximum of six third party transactions are permitted per calendar month) - Variable interest rate. Interest is calculated daily and compounded quarterly. Escrow Savings** - No minimum balance - No monthly maintenance fee - Excessive transaction fee $25/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) - Variable interest rate. Interest is calculated daily and compounded quarterly. Public Funds Statement Savings** - $200 daily balance - $6 quarterly maintenance fee if above balance requirement is not met - Excessive transaction fee $25/transaction (A maximum of six third party transactions are permitted per calendar month or statement cycle) *If you are a non-profit organization or state/ municipality your new account will be converted as the new account listed above but classified as a non-profit organization or state/municipality. **Not available for new accounts Your Integrity Bank account name is listed on your account statement. Business Online Banking Topic Online Banking Conversion Details We will be in contact with you to establish your Business Online Banking service. Questions? Please call Cash Management at

24 Fee Schedule Miscellaneous Account Service Fees Services Fees Check Orders (Checks must meet our quality standards for processing; otherwise your checks will be purchased through the vendor of our choice, at your expense.) Prices vary depending on style selected. Stop Payment Fee Overdraft Fee $35.00 per item $35.00 per item Daily Overdraft Fee Transfer for overdraft protection $10.00/day after 4th calendar day account remains in overdraft status $10.00 per occurrence Returned Item Fee $35.00 per item Deposited Return Item Fee Secondary Return Item Notice Fee (for business accounts only) Transaction History Printout Irregular Statement Cycle $10.00 per item $3.00 per notice $1.00 per request $10.00 per request Interim Statement (without checks) or Statement Copy (without checks) $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.) Statement Reconcilement and Research Fees $5.00 per item $25.00 per hour ($25.00 minimum) Excessive Transaction Fee (Money Market and Savings accounts) $25.00 per transaction Inactivity Fee (for checking accounts with a ledger balance of less than $100 and with no activity during previous 12 months) Replacement/Duplicate Debit Cards Mini Statement (Available only at S&T and Integrity ATMs) $5.00 per month $7.50 per card $ integritybankonline.com

25 Fee Schedule Non S&T and Non Integrity ATM Transactions Services ATM Service Fees (ATM Deposits, ATM Withdrawals, ATM Inquiries, ATM Transfers to and from accounts)(excludes Preferred Account, Four Star & America s Choice accounts. See applicable disclosure) Fees $2.50 per transaction Business Online Banking Services Fees Business Online Banking (Basic Package - additional services available at extra charges) Billpay $15.00 per month 10 free per month; $0.50 per bill paid over 10 Small Business Online Banking Services Fees Small Business Online Banking Small Business Online Banking Premium Billpay Mobile Deposit FREE $15.00 per month 10 free per month; $0.50 per bill paid over 10 $0.50 per deposited check Lockbox Services Fees Activity Fee $1.25 per item $75.00 monthly minimum

26 Fee Schedule Transfer of Funds Services Domestic Outgoing Wire (Customer) - Repetitive - Business Online Banking: Repetitive or Non-Repetitive - Non-Repetitive Domestic Incoming Wire (Customer) International Outgoing Wire (Customer) International Incoming Wire (Customer) Fees $25.00 per wire $15.00 per wire $25.00 per wire $15.00 per wire $50.00 per wire $22.00 per wire Safe Deposit Boxes Services Various Sizes Available: Loss of Keys: One Key (requires replacement with new lockset) Two Keys (requires drilling & lockset replacement) Fees $ $ per year $30.00 $ Collection Items Services Canadian Items Bond Coupons Return Coupon International Drafts Outgoing Collections Incoming Collections Fees $15.00 per item $5.00 per envelope $50.00 per bond Fee varies $25.00 per item $25.00 per item 26 integritybankonline.com

27 Fee Schedule Night Depository Services One-Time Fee Service Fee Disposable Bags Fees $20.00 canvas bag (small) $25.00 canvas bag (large) $0.75 per drop for disposable, $1.00 per drop for canvas Fee varies Miscellaneous Services Services Fees Treasurer s Checks (sold to customers only) Domestic Money Orders Faxes sent within PA Faxes sent outside of PA $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 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) 0.8% 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 $ per request $ per request

28 Business and Consumer Debit Card Topic Debit Card Conversion Details Your new card(s) should arrive in your home or business between Thursday, April 30 and Thursday, May 7. Activation of your new Debit Cards You can begin to activate your new card on Friday, May 8 at 11 am. You can activate your card by using it to withdraw cash at any ATM or making a PIN purchase or by calling Existing Integrity Debit Cards Your existing debit card will become inactive on Friday, May 8 at 1 pm and should be destroyed. Personal Identification Number (PIN) Your current PIN will convert. Can I change my PIN? Please visit any branch location or call us at if you wish to change your PIN. ATMs ATMs at Integrity Bank a division of S&T Bank locations may be temporarily unavailable the weekend of May 8. Automatic payments through your Debit Card If you currently have automatic payments set up through your Integrity Debit Card, you will need to contact the merchant with your new card information. 28 integritybankonline.com

29 Business and Consumer Debit Card Topic Debit Card Daily Limits Conversion Details $500 ATM withdrawal $500 PIN purchase $2,500 Signature purchase Smart Start Debit Card Daily Limits $250 ATM withdrawal $250 PIN purchase $250 Signature purchase Non-Integrity Bank or Non-S&T ATM Transaction Fee Non-Integrity Bank or Non-S&T ATM Deposits There may be a $2.50 fee to use another bank s ATM. Please note you may incur an additional fee from the ATM provider. Refer to your product s detail information on pages 9-12 for personal accounts or for business accounts. A deposit may be made at any ATM with the NYCE logo that accepts other financial institutions deposits

30 ExpressLine Topic Account Information Conversion Details You will be asked to enter the deposit or loan account number for which you are seeking information. You can utilize our automated telephone banking system to get balance and account information, fund transfer options, loan information and more. To access this service call and press 1. Personal Identification Number (PIN) PIN Changes With your first call, your PIN will be preset to the last four digits of the primary account holder s social security number. You are strongly encouraged to change your PIN. Your PIN is customizable and can be different for each account. You have the option to change your PIN under each account type. Account History Transaction and account history prior to Thursday, March 5 will not be available. 30 integritybankonline.com

31 Map & Locations *For all locations, visit stbank.com to find a branch or ATM near you

32 Locations Cumberland County 3345 Market Street Camp Hill, PA Phone: Toll Free: Fax: Bridge Street New Cumberland, PA Phone: Fax: York County One Marketway South York, PA Phone: Fax: Lancaster County 310 Centerville Road Lancaster, PA Phone: Fax: Dauphin County 301 Colonial Road Harrisburg, PA Phone: Fax: Allentown Blvd. Harrisburg, PA Phone: Fax: Oregon Pike Lancaster, PA Phone: Fax: Fruitville Pike Lancaster, PA Phone: Fax: integritybankonline.com

33 Business Debit Card Agreement Business Debit Card Agreement This is our Agreement with you which governs your request for, receipt and use of an electronic banking card issued and owned by S&T Bank. This Agreement is applicable only to transactions made with the use of an S&T Bank Business Card (hereinafter referred to as the S&T Bank Business Card. ) Other electronic fund transfers, such as those made through our funds transfer and ACH services, as examples but not as an exclusive list, are governed by the separate agreements applicable to such services. This card may be used for business purposes only. This card may not be used for family, household or personal purposes. If the account(s) used with this card is changed from business to personal purposes, we will close your S&T Bank Business Card and issue a personal card upon your request. This Agreement will not apply to your personal card. This Agreement is subject to the provisions of your Business Account Agreement and account opening resolution with us. In the event of a conflict between these agreements, the terms of the S&T Bank Business Card Agreement shall govern. Use of your S&T Bank Business Card verifies your acceptance of the terms and conditions contained in this Agreement. I. Definitions In this Agreement the following words shall have the definitions stated: (a) Account or accounts will mean each of your commercial or business checking accounts which you have arranged with us to access with your card. You will not be permitted to access personal or credit card accounts with your card; (b) ATM will mean automated teller machine or banking machine; (c) Card will mean the S&T Bank Business Debit Card(s) and or S&T Bank Business ATM Card(s) issued to you for use unless stated otherwise; (d) PIN will mean the confidential personal identification number(s) or other confidential code(s) provided to you by S&T Bank or selected by you for identification purposes in connection with the use of your card, and may include where the context requires, the card itself; (e) S&T Bank will mean the S&T depository institution where you established your account and that issued your card(s); (f) Transfer will mean any electronic banking transaction, including deposits, withdrawals, or point-of-sale purchases made electronically, as well as all transfers resulting from the use of your card(s), even if an ATM is not involved at the time of the transaction; and (g) You and your will mean your business or its authorized representative. (h) Authorized Individual means any person acting in a representative capacity as agent for the business. This means an officer of the corporation, a member of the limited liability company, a partner of the partnership, or the sole owner of a sole proprietorship. II. Types of Available Transfers and Limits on Transfers (a) Deposits. You may use your card at any S&T Bank full-function ATM or select ATMs owned by other financial institutions bearing the NYCE logos to make deposits to your accounts. (b) Other Transactions. You may use your S&T Bank Business Card at any ATM bearing any ATM network logo that appears on your card to: (i) Withdraw cash from your account(s); (ii) Perform balance inquiries on your account(s); (iii) Make purchases at merchants who have agreed to accept the card; and (iv) Obtain statements at the ATM. There are maximum limits on the dollar amount of ATM withdrawals and purchases you may make using your S&T Bank Business Card in any calendar day. The amounts of these maximum limits will be disclosed to you when your card(s) is issued. You may be able to withdraw cash only in certain multiples, as indicated at each ATM. Deposits may not be available at all ATMs. Additional charges may be imposed by owners of non-s&t Bank ATMs for use of their ATMs. You may avoid those fees by using only S&T Bank ATMs