TABLE OF CONTENTS. Customer Assistance Important Dates to Know General Account Information... 5

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2 TABLE OF CONTENTS How to Use this Guide... 3 Customer Assistance... 3 Important Dates to Know... 4 General Account Information... 5 Account Statements... 6 estatements... 6 Automated Account Service Line (Telephone Banking)... 6 Online Banking, BillPay and Mobile Services Consumer... 7 Business...11 Consumer Upgrade Checklist...15 Business Upgrade Checklist...16 Frequently Asked Questions...17 Disclosures...17 Schedule of Fees...18

3 Beginning Thursday, August 7, 2014 through Sunday, August 10, 2014, First Commonwealth Bank will undergo a comprehensive systems upgrade. This upgrade will enable us to better serve you and deliver the financial solutions you need, when and where you need them. HOW TO USE THIS GUIDE We ask that you take the necessary time to read this guide so you can better understand the details of our upgrade and the changes that you will experience. The Consumer and Business Upgrade Checklists, located on pages 15 and 16, will help you prepare for the upgrade. We also ask that you become familiar with our booklet icons as they will help to point out critical information, dates and changes that will occur. Comprehensive information is also available by visiting our Upgrade Resource Center at fcbanking.com/upgrade. We truly appreciate your support throughout this upgrade period, and we thank you for choosing First Commonwealth Bank. WHAT THE ICONS MEAN TO YOU The NEW FEATURE icon points out aspects of the systems upgrade that will enhance your experience. The ACTION REQUIRED icon alerts you to measures that need to be taken to make your changes effective. The MAKING IT EASIER icon highlights features and benefits of the systems upgrade for you. The SAVE AND NOTE icon calls your attention to aspects of the upgrade that you will want to bear in mind. CUSTOMER ASSISTANCE We understand that you may have questions or require assistance along the way. We are here to help. To speak to a live Customer Service Representative, simply call our Convenience Banking Center at 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 cbc@fcbanking.com. Dedicated Telephone Line for Online Banking Questions A dedicated toll-free telephone line will be available beginning Friday, August 8, 2014 for all questions related to our Online Banking services, including Consumer and Business Online Banking, BillPay and Mobile Banking. The dedicated Online Banking telephone number is Hours of operation for this dedicated line will be weekdays from 7:00 a.m. until 11:00 p.m. and on weekends from 9:00 a.m. until 5:00 p.m. This dedicated line will remain available through the end of October After that, you may resume calling BANK (2265) for Online Banking assistance. 3

4 IMPORTANT DATES TO KNOW Our systems upgrade will begin on Thursday, August 7, 2014 at 10:00 p.m. and will be completed Monday, August 11, 2014 at 8:00 a.m. Our office locations will remain open during their normal hours of operation during the upgrade period. For a complete listing of locations and hours, please visit fcbanking.com/locations. Tuesday, August 5 BillPay Service Unavailable beginning at 9:00 p.m. Tuesday, August 5. Scheduled payments will be processed as normal. Access to the system will resume on Monday, August 11 at 8:00 a.m. Thursday, August 7 through Sunday, August 10 Online Banking and Mobile Banking Convenience Banking Center (For Personal Service) Automated Account Service Line (Telephone Banking) Online Banking Assistance ATMs Unavailable Thursday, August 7 at 10:00 p.m. Access will resume for both systems on Monday, August 11 at 8:00 a.m. Normal hours of operation for customer service will continue at BANK (2265). Available for use, but account balance information will not include all transactions that occur after 7:00 p.m. on Thursday, August 7. Options for transfers, stop payments, PIN changes and overdraft authorizations will not be available until Monday, August 11 at 8:00 a.m. Available for questions specific to our Online Banking services by calling toll-free Available for use, but account balance information at the ATM will not include all transactions that occur after 7:00 p.m. on Thursday, August 7 until Monday, August 11 at 7:00 p.m. Monday, August 11 NEW Online Banking, BillPay and Mobile Banking NEW Automated Account Service Line (Telephone Banking) Available at 8:00 a.m. for use, but will only reflect account activity occurring before Friday, August 8 at 7:00 p.m. Available at 8:00 a.m. for use, but will only reflect account activity occurring before Friday, August 8 at 7:00 p.m. Tuesday, August 12 4 NEW Online Banking, BillPay and Mobile Banking NEW Automated Account Service Line (Telephone Banking) ATMs Available with current account balance information. Available with current account balance information. Available with current account balance information.

5 GENERAL ACCOUNT INFORMATION DEPOSITS Consumer Checking Accounts: Your account numbers will not change as a result of the upgrade. Feel free to continue using your current checks as you do today. Also, direct deposits and pre-authorized transactions will continue to process without interruption. You can also continue to use your existing deposit slips at our branches. Debit Cards: Your First Commonwealth Bank Debit Card will not change. You may continue to use it as you do today. ATMs: Our ATMs will be available, but account balance information will not include all transactions that occur after 7:00 p.m. on Thursday, August 7, 2014 until Monday, August 11, 2014 at 7:00 p.m. For changes regarding foreign ATM transaction benefits, please see page 17. Direct Deposit and Automatic Payments: Any direct deposits, recurring deductions or payments scheduled with third parties outside of BillPay will continue to occur and will not be interrupted throughout the upgrade period. If you are scheduling payments through BillPay, please refer to page 8 for available dates. If you want to validate any automatic payments or deposits made to your account during the upgrade period, you can do so on Tuesday, August 12, 2014 by utilizing Online Banking, Telephone Banking or contacting our Convenience Banking Center at BANK (2265). Overdraft Protection: We will simplify our Overdraft and Non-Sufficient funds fee structure to a flat fee of $35.00 per item starting Monday, August 11, We will limit daily Overdraft or Non-Sufficient funds fees to only the first four items. Daily Overdraft fees will be waived if the ending account balance is a negative amount of $5 or less. Starting Monday, August 11, 2014 automated account-to-account transfer of funds for overdraft protection, currently transferred in increments of $100, will transfer funds only for the exact amount needed including the fee. If applicable, the fee will be assessed for transfers of any amount. Business Checking Accounts: For changes regarding Business Checking Accounts, please see page 17. GENERAL ACCOUNT INFORMATION LOANS Consumer Loans: Our systems upgrade will have no impact on any consumer loan product you have with us. Commercial Loans: As of Monday, August 11, 2014 commercial loan account numbers will convert to a new numbering sequence. Your new account number will be readily available to you by contacting our Convenience Banking Center at BANK (2265) or by visiting your local branch. Your new account number will also appear on your billing statement after Monday, August 11,

6 ACCOUNT STATEMENTS The design and look of all deposit and loan account statements and account notices will change following the systems upgrade. The information will be the same. If you normally receive your monthly bank statement between the 7th and 10th of the month, you may receive your August 2014 statement a few days earlier or later than usual. Your September 2014 statement will include any extra days. estatements If your account is currently enrolled to receive estatements, your enrollment will continue. You will have access to your statement history and will view your statements under the estatements tab in your new Online Banking. Monthly estatement Notifications Only the primary account holder will receive a monthly notification when an electronic statement is available to view. However, the primary account holder can set up multiple users to receive notifications under the Additional Recipients option of the enotices tab in your new Online Banking. Additional Electronic Notices As an enhancement following the upgrade, additional statements and notices will be available to view electronically. A complete listing of available electronic notices can be found at fcbanking.com/upgrade. The primary account holder can enroll under the enotices tab in your new Online Banking by selecting the notices to enroll, confirming a valid address, establishing a security phrase and entering an enrollment passcode. If you are not enrolled for estatements, you can enroll under the enotices tab in your new Online Banking starting Monday, August 11, 2014 at 8:00 a.m. AUTOMATED ACCOUNT SERVICE LINE (TELEPHONE BANKING) We will enhance our Telephone Banking service as part of the upgrade. Access to our current Telephone Banking service will be available throughout the upgrade period; however, not all transactions will be reflected in the account balances presented. The new service will be available on Monday, August 11, 2014 at 8:00 a.m. and can be accessed by calling BANK (2265) and pressing 1 on the main menu. However, account balance information will not be current until Tuesday, August 12, 2014 at 8:00 a.m. Changes to Menu Options Please note our menu options will change. The new system will provide the option of speech recognition. When accessing the system, you can utilize the Help function by pressing 1* to hear a list of shortcut commands. Additionally, you can alternate between speech recognition and touchtone response by pressing 8*. You will still use your existing PIN to access the new system. However, it will be necessary to have your account number available when calling. 6

7 ONLINE BANKING & BILLPAY CONSUMERS FOR CONSUMERS One of the most significant enhancements to be delivered through our upgrade is a new Online Banking system, available on Monday, August 11, 2014 at 8:00 a.m. This new system will provide even greater functionality and ease of use. In addition to standard functions you already enjoy today, such as alerts, bill payment and account transfers, your new Online Banking will feature enhanced personal financial management tools, including the ability to view all of your external bank and investment accounts in a single location. You will also have even more options to receive bank notifications electronically, as well as enhanced security options to keep you safe. These new features will be displayed in a more intuitive and user-friendly design, allowing greater customization of your Online Banking experience. Access to Online Banking will be unavailable beginning Thursday, August 7, 2014 at 10:00 p.m. and will resume on Monday, August 11, 2014 at 8:00 a.m. Your account information (i.e. account numbers and transactions) will automatically transfer to your new Online Banking, but to be fully prepared for the upgrade, please complete the items on the Consumer Upgrade Checklist prior to Tuesday, August 5, This checklist can be found on page 15. Accessing Your Online Banking Steps for Logging In the First Time 1. Access Online Banking from the My Accounts Login menu in the upper right corner at fcbanking.com using one of the following browser versions: Internet Explorer 9 or higher, or the most recent versions of Mozilla Firefox, Google Chrome or Safari. 2. Your current username will not change. Log in using your current username* and the last four digits of your social security number as your initial password. In the event that your current username is longer than 25 characters, you will only use the first 25 characters. 3. Review and accept the Online Banking Agreement. For security purposes, you must complete the steps below: 4. Create a new password between 6 and 25 characters, containing both numbers and letters. 5. Choose a watermark image from the image selections. 6. Choose and provide answers for three verification questions. These questions will be important for future use in Online Banking. 7. Enter your primary contact phone number, which will be used for security purposes to verify online activity (if applicable). 8. Confirm or update your address. 9. Create a password reset question and answer. * A very limited number of consumer clients may experience a change in username and will be notified via a separate mailing of the correct username prior to the upgrade. If you currently access your accounts via a bookmark or favorites link, please delete this bookmark and re-establish it at the new log-in page. 7

8 BillPay The current BillPay system will be deactivated on Tuesday, August 5, 2014 at 9:00 p.m. Scheduled payments will be processed as normal. Your new BillPay will be available starting Monday, August 11, 2014 at 8:00 a.m. 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, August 11, 2014 at 8:00 a.m. by clicking the BillPay tab within any new Online Banking screen. Payment History: Your previous six months of bill payment history will be available to view. Payees: Confirm that your currently established payees have transferred into the new BillPay system. If a payee does not appear, you can easily add them by selecting Add New Payee under the BillPay tab. ebills: Your current ebills will be discontinued during the upgrade, and you will receive paper bills. You can enroll in the new ebills, which will provide the balance, date due, and amount owed for each payee; your paper bills will continue to be delivered. To discontinue receipt of paper bills, contact your service provider(s) directly. Account-to-Account and Person-to-Person payments: Account-to-account (external transfers) and person-to-person (formerly Popmoney ) payment information will not transfer. To continue this service, you will need to re-establish your payment information. There is a $.50 fee to send account-to-account payments and a $.50 fee to send person-to-person payments. This fee is subject to change in accordance with our schedule of fees. A new person-to-person Gift Check feature will be available for an additional fee of $2.99. It will allow you to deliver money electronically along with a personalized egreeting. To view a demo of the new BillPay system, visit fcbanking.com/upgrade. 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/upgrade. 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. Accounts In addition to your active account information, you will also be able to view any closed accounts or paid-off loan accounts for a period of 30 days following account closure or loan payoff. If you have a joint account which requires more than one signature to process transactions (i.e. an And account), please be advised that the new Online Banking will allow any account owner to access the account and complete electronic transactions (including internal and external account transfers, person-to-person payments and online bill payments) without the other account owner s approval. 8

9 Transfers Your current recurring transfers will be converted to your new Online Banking, with the exception of annual transfers which will no longer be an available option. Edits or deletions to your current recurring transfers will require assistance from our Convenience Banking Center at BANK (2265). Beginning on Monday, August 11, 2014 any new recurring transfers you set up in the Online Banking system will have the functionality to be edited and/or deleted by you. Transfers can be accessed through the Internal Transfer or External Transfer options under the Online Banking tab. Any current annual transfers you have scheduled to process after Thursday, August 7, 2014 will not carry over to your new Online Banking. Alerts Most of your current Online Banking alerts will transfer to your new Online Banking. Some transaction alerts, such as Debit Card or ATM Withdrawal, will no longer be available, and direct deposit alerts will appear as ACH credit alerts in the new system. For a complete listing of available alerts, visit fcbanking.com/upgrade. Prior to Thursday, August 7, 2014 please make note of any alerts you currently have set up. You will be able to re-establish and create additional alerts in the new Online Banking system starting on Monday, August 11, 2014 at 8:00 a.m. Simply select the Alerts option under the Settings tab within the new Online Banking. Account Nicknames Nicknames you previously established for your Online Banking accounts will be transferred, but will be shortened to a maximum of 19 characters and will include the last 4 digits of the account number. My Finance As an enhancement to your new Online Banking experience, you will now have access to My Finance, a free financial management tool that lets you: Develop a budget and set financial goals 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. Getting started in My Finance is easy. Simply select the My Finance tab in Online Banking and follow the instructions. Your Personal Money Manager categories within our current Online Banking will not carry over to My Finance. Please make note of your spending categories before Thursday, August 7, You can easily re-establish them under the My Finance tab within your new Online Banking beginning on Monday, August 11, 2014 at 8:00 a.m. Not an Online Banking customer? You can enroll in our NEW Online Banking beginning Monday, August 11, 2014 by visiting fcbanking.com. 9

10 MOBILE BANKING & MOBILE DEPOSIT Beginning Thursday, August 7, 2014 at 10:00 p.m., our current Mobile Banking app will be discontinued, and we will introduce a new, upgraded app. Delete the current app and download the new First Commonwealth Bank app from the online store which supports your device (i.e. itunes or Google Play) beginning Monday, August 11, 2014 at 8:00 a.m. Before you log in to the new app, visit the Mobile Banking option under the Settings tab within your new Online Banking to establish your access information. Mobile alerts will not transfer to the new app. To activate mobile alerts, log in to your new Online Banking and set up alerts by selecting the Mobile Banking option under the Settings tab. Text Banking Beginning Thursday, August 7, 2014 at 10:00 p.m., our text banking feature will be discontinued. Beginning Monday, August 11, 2014 at 8:00 a.m., text banking users will need to re-enroll through the Mobile Banking option under the Settings tab of your new Online Banking. The SMS short code for mobile banking text inquiries will change on Monday, August 11, 2014 to Reply HELP to for help. Reply STOP to to cancel. Message and data rates may apply. For a complete list of text banking commands, visit fcbanking.com/upgrade. ipad App Beginning Monday, August 11, 2014 at 8:00 a.m., a First Commonwealth Bank Mobile Banking app will be available for ipad users and can be downloaded from the itunes store. The ipad app will offer the same functionality as the smartphone app, including checking balances, viewing transactions, paying bills and making transfers, as well as additional features. For more information on the ipad app capabilities, please visit fcbanking.com/upgrade. Mobile Deposit There are no changes to your current Mobile Deposit services or smartphone app, which is a separate app from our Mobile Banking app. To be fully prepared for the upgrade, please complete the items on the Consumer Upgrade Checklist found on page 15 of this guide prior to Tuesday, August 5,

11 FOR BUSINESSES ONLINE BANKING & BILLPAY BUSINESSES One of the most significant enhancements during our upgrade is a new Online Banking system, which will be available starting Monday, August 11, 2014 at 8:00 a.m. This new system will provide even greater functionality and ease of use. In addition to standard functions you already enjoy today, such as alerts, bill payment and account transfers, you will have even more options to receive bank notifications electronically, as well as enhanced security options. These new features will be displayed in a more intuitive and user-friendly design, allowing greater customization of your business s Online Banking experience. Access to Business Online Banking will be unavailable beginning Thursday, August 7, 2014 at 10:00 p.m. and will resume on Monday, August 11, 2014 at 8:00 a.m. To view a demo of the new Online Banking, visit fcbanking.com/upgrade. The majority of your account information will automatically transfer to the new system, but to be fully prepared for the upgrade, please complete the items on the Business Upgrade Checklist prior to Tuesday, August 5, The checklist can be found on page 16 of this booklet. Accessing Your Online Banking Steps for Logging In the First Time 1. Access Online Banking from the My Accounts Login menu at fcbanking.com using one of the following browser versions: Internet Explorer 9 or higher, or the most recent versions of Mozilla Firefox, Google Chrome or Safari. 2. Your current username will not change. Log in using your current username and the last four digits of your tax identification number (TIN) as your initial password. In the event that your current user name is longer than 25 characters, you will only use the first 25 characters. For security purposes, you must complete the steps below: 3. You will be prompted to create a new password between 6 and 25 characters, containing both numbers and letters. 4. Choose and provide answers for three verification questions. These questions will be important for future use in Online Banking. 5. 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. 6. Confirm or update your address. The second time you log in to the new Online Banking, you will be asked to review and accept the new Online Banking terms and conditions. If you currently access your accounts via a bookmark or favorites link, please delete this bookmark and re-establish it at the new log-in page. 11

12 Online BillPay is now a FREE service for all businesses. BillPay The current BillPay system will be deactivated on Tuesday, August 5, 2014 at 9:00 p.m. Scheduled payments will be processed as normal. Your new BillPay will be available starting Monday, August 11, 2014 at 8:00 a.m. 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, August 11, 2014 at 8:00 a.m. by clicking the BillPay tab within any new Online Banking screen. Payment History: Your previous six months of bill payment history will be available to view. Payees: Confirm that your currently established payees have transferred into the new BillPay system. If a payee does not appear, you can easily add them by selecting Add New Payee under the BillPay tab. ebills: Your current ebills will be discontinued during the upgrade, and you will receive paper bills. You can enroll in the new ebills, which will provide the balance, date due, and amount owed for each payee; your paper bills will continue to be delivered. To discontinue receipt of paper bills, contact your service provider(s) directly. To view a demo of the new BillPay system, please visit fcbanking.com/upgrade. Navigation Easy-to-use navigation tabs give you one-click access to your account activity, BillPay, Treasury, enotices, eservices, Settings and estatements. For more information on navigating the new Online Banking or to view a demo, visit fcbanking.com/upgrade. 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. Accounts In addition to your active account information, you will also be able to view any closed deposit accounts or paid-off loan accounts for a period of 30 days following account closure or loan payoff. Dual signature control will no longer be supported in the new Online Banking system. Any user with administrative access to the account can complete electronic transactions (including internal account transfers and online bill payments) without the other account owner s approval. 12

13 Internal Transfers Your current internal transfers will be converted to your new Online Banking, with the exception of annual transfers which will no longer be an available option. Transfers can be accessed through the Internal Transfer option within the Online Banking tab. Any current annual transfers you have scheduled to process after Thursday, August 7, 2014 will not carry over to your new Online Banking. Alerts The Online Banking alerts you have established will not transfer to your new Online Banking; however, you will be able to establish all of your current alerts along with many new ones, including incoming wire and ACH alerts. For a complete listing of available alerts, please visit fcbanking.com/upgrade. Prior to Thursday, August 7, 2014 please make note of alerts you currently have established. You will be able to re-establish and create additional alerts starting on Monday, August 11, Simply select the Alerts option under the Settings tab within the new Online Banking. Account Nicknames Nicknames you previously established in Business Online Banking will not transfer. You can establish account nicknames under the Accounts option of the Settings tab within the new Online Banking. Re-establishing Sub-User Settings While your current designated sub-users will be converted to your new Online Banking, any roles and entitlements that the Administrator has granted will need to be re-established. This includes the authority to conduct transfers, ACH initiation and wire setup and initiation. Please take special note of how you currently have individuals designated within your company to perform Online Banking tasks prior to Thursday, August 7, Please note that sub-users with access to reporting will be able to see information for all accounts. Sub-user Roles and Entitlements will not transfer to the new Online Banking. The Administrator must re-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. Wire Transfers A new wire initiation PIN will be mailed to the Administrator via US Postal Mail the week of July 14, In some cases, in addition to entry of a PIN and security questions to conduct your wire initiation, you may receive a call via phone and/or receive a text message with a one-time passcode that will need to be entered before you can initiate the wire. This feature is designed to provide your business with greater security when conducting high-risk transactions, such as sending money to a third party. As an additional security feature, all wire transfers need to be initiated on an individual basis. 13

14 ONE-TIME OPERATING PROCEDURES FOR FRIDAY, AUGUST 8, 2014 Due to the transition time required for our systems upgrade, several Treasury Management systems will be unavailable beginning Thursday, August 7, 2014 at 10:00 p.m. We are providing the following procedures that will enable your business to conduct transactions on Friday, August 8, ACH All ACH files previously submitted with an effective date of Friday, August 8, 2014 will settle as usual. All files for future settlement should be submitted PRIOR TO Friday, August 8, 2014 or submitted through the new Online Banking system beginning Monday, August 11, 2014 at 8:00 a.m. Wire Transfers Although the Online Banking system will be unavailable, a wire transaction may be conducted by current wire clients only via telephone. Please contact our Wire Room at and be prepared to provide your PIN and have your MATRIX CARD available. Refer to your Wire Transfer Agreement, Schedule 1 Security Procedure for instructions. If you need to replace these credentials, please notify the Wire Room or your Treasury Management Officer by Tuesday, July 15, Lockbox You will be able to access your lockbox activity detail and transaction images by visiting Please note that this URL is for accessing lockbox data on Friday, August 8, 2014 ONLY. On Monday, August 11, 2014 you can access your accounts by clicking the eservices tab within the new Online Banking. Remote Deposit Deposits can be made at any of our 110 community offices on Friday, August 8, 2014 and Saturday, August 9, For office hours, please visit fcbanking.com/locations. If you have an immediate need, please contact your Treasury Management Officer directly. The Remote Deposit system will be available for use on Monday, August 11, 2014 at 8:00 a.m. Positive Pay/ACH Block and Filter Exception items will not be available via the current Online Banking system. We will the exception information to the properly authorized individual at your business. That individual will then need to the Pay/Return decisions back to First Commonwealth Bank personnel. MOBILE BANKING & MOBILE DEPOSIT Mobile Banking for Business Beginning Monday, August 11, 2014 at 8:00 a.m. Mobile Banking will be available for all business customers by downloading the new First Commonwealth Bank app from the online store which supports your device (i.e. itunes or Google Play). Log in to the new Online Banking and select the Mobile Banking option under the Settings tab to get started. If your business uses our current Mobile Banking app, delete the app and download the new First Commonwealth Bank app from the online store which supports your device (i.e. itunes or Google Play) beginning Monday, August 11, 2014 at 8:00 a.m. Log in to the new Online Banking and select the Mobile Banking option under the Settings tab to get started. 14 Mobile Deposit There are no changes to your current Mobile Deposit services or smartphone app, which is a separate app from our Mobile Banking app.

15 CONSUMER UPGRADE CHECKLIST FOR CONSUMERS Use this checklist to help prepare for a smooth transition during our systems upgrade. AUGUST 5 Before 9:00 p.m. Schedule any new bill payments using the current system. All other previously scheduled bill payments and recurring transfers will process without interruption during the systems upgrade. Print or make note of any bill payment history prior to six months that you want to retain. AUGUST 7 Before 10:00 p.m. Complete any Online or Mobile Banking tasks in the current system, including modifying scheduled transfers. Access to Online and Mobile Banking will be unavailable starting Thursday, August 7, 2014 at 10:00 p.m. and will resume with your upgraded Online and Mobile Banking on Monday, August 11, 2014 at 8:00 a.m. Make note of any online alerts you have set up, as these may change. Personal Money Manager users should make note of their current spending categories, as these may change. Review the Disclosures & Schedule of Fees starting on page 17. AUGUST 11 After 8:00 a.m. Access Online Banking from the My Accounts Login menu at fcbanking.com using your existing username as your Online Banking ID and the last four digits of your social security number as your new password. Follow Logging In the First Time and Customize your homepage instructions on pages 7 and 8. Enroll in electronic delivery of estatements or additional notices under the enotices tab of Online Banking. Edit and add online alerts using the Alerts option under the Settings tab of Online Banking. Verify 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. Delete the old Mobile Banking app. Download the new, upgraded First Commonwealth Bank Mobile Banking app from the itunes or Google Play store. 15

16 FOR BUSINESSES BUSINESS UPGRADE CHECKLIST Use this checklist to help prepare for a smooth transition during our systems upgrade. AUGUST 5 Before 9:00 p.m. Schedule any new bill payments using the current system. All other previously scheduled bill payments and recurring transfers will process without interruption during the systems upgrade. Print or make note of your ACH and wire templates. Print or make note of any bill payment history prior to six months that you want to retain. AUGUST 7 Before 10:00 p.m. Print screen shots of your sub-user entitlements. For more detailed instructions visit fcbanking.com/upgrade. Complete any Online and Mobile Banking tasks in the current system, including modifying scheduled transfers. Access to Business Online and Mobile Banking will be unavailable starting Thursday, August 7, 2014 at 10:00 p.m. The new Online and Mobile Banking will be available on Monday, August 11, 2014 at 8:00 a.m. Schedule any online transactions, such as ACH, Wire and Remote Deposit Capture items, to process through Thursday, August 7, 2014 using the current system. All previously scheduled transactions will process without interruption during the systems upgrade. Make note of any online alerts you are currently using. Review the Disclosures & Schedule of Fees starting on page 17. AUGUST 11 After 8:00 a.m. Access Online Banking from the My Accounts Login menu at fcbanking.com using your existing username and the last four digits of your tax identification number as your password and customize your homepage. Follow Logging In the First Time and Customize your homepage instructions on pages 11 and 12. Re-establish your sub-user s entitlements under the Treasury tab within the new Online Banking. Set up desired online alerts using the Alerts option under the Settings tab within the new Online Banking. Verify BillPay payees and payment accounts under the BillPay tab within the new Online Banking. Enroll in electronic delivery of estatements and additional notices under the enotices tab within the new Online Banking. If your business currently uses Mobile Banking, delete your app. Download the new First Commonwealth Bank Mobile Banking app from the itunes or Google Play store. 16

17 FREQUENTLY ASKED QUESTIONS When does the systems upgrade at First Commonwealth Bank take place? First Commonwealth Bank will begin the upgrade process on Thursday, August 7, 2014 at 10:00 p.m. The upgrade will continue through the weekend and conclude the evening of Monday, August 11, We expect all systems to be fully functional beginning on Tuesday, August 12, 2014 at 8:00 a.m. Why is First Commonwealth Bank upgrading their systems? The banking industry is constantly evolving, and it is our responsibility to our customers to keep pace with the latest technology and operate the most efficient systems. This upgrade will further enable First Commonwealth Bank to deliver the financial solutions you need, when and where you need them. Can I still deposit and withdraw money during the upgrade period? Yes. Available funds in your account can be accessed and credits to your account will be posted. However, these debits and credits will not be reflected at the ATM, in Online Banking, in Mobile Banking, or on our Telephone Banking system until Tuesday, August 12, 2014 at 8:00 a.m. Can I still use my debit card at Point of Sale locations? Yes. You will still be able to use your debit card as normal during the upgrade period. Will your office hours change during the upgrade period? No. We will continue to operate under normal business hours at all of our office locations and in our Convenience Banking Center for telephone inquiries. For a listing of our offices and their operating hours, please visit our website at fcbanking.com/locations. Will my information remain secure during the systems upgrade? Absolutely. The safety and security of our customers personal and account information is always our top priority. Our upgrade will not compromise security and privacy standards in any manner. DISCLOSURES ATM Card Foreign ATM benefits change Please note the following information regarding changes to your ATM Card foreign ATM benefits effective Monday, August 11, Affected account types are shown in bold: WorkSmart Banking and Senior Accent If you opened a WorkSmart account between January 1, 2008 and September 13, 2013, or a Senior Accent account with added ATM benefits between January 1, 2006 and September 13, 2013, the number of free foreign ATM transactions you receive per month will change from five (5) free foreign ATM transactions (transactions being defined to include withdrawals, balance inquiries, transfers or deposits) to three (3) free foreign ATM withdrawals per month. In addition, you will not be charged for any foreign ATM balance inquiries, transfers or deposits. Hometown Checking If you opened a Hometown Checking account between January 1, 2008 and September 13, 2013, the number of free foreign ATM transactions you receive per month will change from three (3) free foreign ATM transactions (transactions being defined to include withdrawals, balance inquiries, transfers or deposits) to three (3) free foreign ATM withdrawals per month. In addition you will not be charged for any foreign ATM balance inquiries, transfers or deposits. Business Checking Accounts As of Monday, August 11, 2014, we will be consolidating several business checking products. The chart below details the current product name and the new product name. CURRENT NAME UPDATED NAME FEATURES Non Profit Basic Checking Commercial Checking Plus Business Analysis Small Business Plus Elite Business Checking Plus Commercial Checking Business Analysis Free Business Checking Small Business Checking Plus Elite Business Checking No monthly maintenance fees; 500 free* transactions per month; free business debit card; free image statements; non-interest bearing Your current product benefits; plus earn interest on your balances ranging from $0 $2,499.99; $2, $9,999.99, and $10, Your current product benefits; non-interest bearing *Transactions are defined as checks paid, checks deposited, and ACH debits. $0.25 per item over

18 Schedule of Service Fees Effective August 8, 2014 Check Issuance and Collection Official Checks $ Personal Money Order for Client (each) $ 5.00 Traveler s Check (U.S. $) (% of face amt.) 1.00% Traveler s Cheques for Two (% of face amt.) 1.25% Counter Checks (per check) $ 2.00 Canadian check processing (each plus costs) $ Collection Items Incoming (per item) $ Outgoing (per item) $ Coupon Envelope Processed In Federal District (per envelope) $ Out of Federal District (per envelope) $ Check Cashing Deposit Clients No Charge Non-Deposit Clients On-us Check (each) No Charge Not On-us Including Government (each) $ Wire Transfers Services Available for Clients Only Fees are per Transfer Incoming Domestic $ Outgoing Domestic $ Incoming International $ Outgoing International $ Foreign Exchange Services Available for Clients Only Fees are per Transaction Currency/Check Redemption (plus costs) $ Currency Issue (each plus costs) $ Draft Issue (each plus costs) $ Traveler s Check Issue (each plus costs) $ Investment Service Notary Fees (Only available to clients) Per Document $ 5.00 Medallion Signature Guarantee (per document) $ 5.00 U.S. Government Securities Transactions (each) $ Miscellaneous Services Wrapped Coin Furnished (per roll) $.08 Sorting Coins (per instance) $ 5.00 Coin Wrapping (per roll) $.06 Night Deposit Service (per year) $ Night Deposit Canvas Bag (per bag processed) $ 1.00 Night Deposit Disposable Bag (per bag processed) $ 0.75 Night Deposit Locking Canvas Bag Purchase (per bag) $ Fees For Legal Process Domestic Relations Request (each) $ All other legal requests (each-plus research cost) $ For Certificates Of Deposit And IRAs Deposit Item Returned $ Replacement of Lost Certificate (each) $ Indemnity Agreement (each) $ Certificate of Deposit History Request (each) $ Deposit Account Title Change (per account) $ 5.00 Transfer IRA to Another financial institution $ IRA Early Redemption Administrative Fee $ Special CD Assignment (each) $ For ATM And Point Of Sale Transactions ATM/Debit Card Replacement (each) $ ATM/Debit Card Issue (new account) No Charge 18 FEESCH 8/8/2014

19 For ATM And Point Of Sale Transactions (Continued) ATM Transaction fees when using FCB locations ATM Inquiry (each) No Charge ATM Withdrawal (each) No Charge ATM Deposit (each) No Charge ATM Transfer (each) No Charge ATM Transaction fees when using ATMs other than FCB, Freedom ATM Alliance & Allpoint locations ATM Inquiry (each) $ 2.00 ATM Withdrawal (each) $ 2.00 ATM Deposit (each) $ 2.00 ATM Transfer (each) $ 2.00 ATM/Debit Card or Master Card Point of Sale Purchase (each) No Charge Express Issue/Replacement of Card $ Non-Disputed Transaction Record Copy $ International Network Pass-Thru Fees MasterCard (MC) Cross Border (% of transaction amount).90% MasterCard (MC) Currency Conversion (% of transaction amount).20% BillPay and Transfer Services Account to Account Transfers FCB account to external financial institution $.50/ transfer Person-to-Person Transfers $.50/ transfer BillPay Options Charitable Donation $1.99 Gift Check $2.99 Overnight Delivery $ nd Day Delivery $9.95 Electronic Rush Payments $4.95 Other Applicable Fees Account Reconcilement/Research of Records Includes Deposit and Loan Related Research Per Hour $ Per Copy $ 5.00 Minimum Fee $ Quick Search (limited availability - up to 3 copies) (per item) $ 5.00 Fee for Overdraft (OD) or Non-Sufficient Funds (NSF) occurrence (per item)* * * * $ The OD and NSF fees are limited to four (4) per day at a maximum of $ per day The OD fee will be waived where the daily negative balance is $5 or less Continuous Overdraft Fee (OD), per day, beginning after the 5th calendar day of continuous overdraft * * * * $ 8.00 Image Statement (per month) * * * $ 3.00 CD ROM for Business (per month) $ Stop Payment Fee (per item) $ Deposited or Cashed Item Returned (per item) $ Deposit Account Title Change (per account) $ 5.00 Indemnity Agreement $ Special Statement (per statement) $ 5.00 Account Inactivity Fee (Hometown Checking products, Free Business Checking, Elite Business Checking, Small Business Sweep and Elite Business Sweep) -There is a monthly inactivity fee if the account becomes inactive (one year of no client activity). Activity is defined as deposits or withdrawals to the account. $ 2.00 Printed Checks/Deposits Varies Telephone Transfers * * - $500 minimum (each) $ 5.00 Telephone Inquiries * * - Operator assisted (each) $ 1.00 Return Mail Fees (per item) $ 5.00 Safe Deposit Box Key Replacement $ Drilling a Box (plus cost) $ Late Fee after 30 Days $ 5.00 Inventory (per hour) $ Automated Account to Account Transfer of Funds for Overdraft Protection will be for the exact amount needed $ including the fee (if applicable) and can be initiated for any dollar amount and be subject to a transfer fee. Lobby Coin Counter Fee FCB Account Holder Non-Account Holder -- 5% of total receipt if over $40. Minimum fee of $2 per receipt No Charge Varies * * Other than automated service * * * Excluding: ALL Business Checking Accounts * * * * Fees may be imposed for covering Overdrafts created by check, in-person withdrawal, ATM withdrawal, or other means * * * * * Message and Data rates may apply This Disclosure provides specific information about one of our accounts. If you have questions about the account that are not explained, please feel free to contact a Customer Service Representative at any of our community offices or call our Convenience Banking Center at Keep this Disclosure for future records. FCB Member FDIC, Equal Opportunity Lender FEESCH 8/8/

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