FO1-9645-1 Retain this Information for Future Use s&T sECURED CARDHOLDER AGREEMENT AND DIsCLOsURE sTATEMENT 1. AGREEMENT TERMs AND ACCEPTANCE � In this agreement the word Card means any one or more of the Visa Cards issued to you or to an authorized user. The word Account means your Credit Card Account. The words you, your and yours mean you the cardmember and any joint account holders. The words we, us and our mean s&T Bank. Application for, signing, or use of your Account or Card by you or anyone whom you authorize or permit to use your Account or Card, is considered acceptance by you of this Agreement. 2. UsE OF ACCOUNT � You agree that you will use your Account for the following transactions: A. Purchases of goods or services (credit purchases). B. Cash advances obtained from banks or others through use of this Card. C. The account will not be used for illegal transactions. We are not responsible for the refusal of anyone to accept or honor the card. 3. AUTHORIZED UsERs � You promise to pay for all purchases and advances made by anyone you authorize to use your Account, whether or not you notify us that they will be using it. If you want to cancel the authorized or permitted use of your Account or Cards by another person, you must let us know in writing, and if a person has a Card you must return that Card cut in half with your written notice. 4. LOsT OR sTOLEN CARD � If the Card is lost or stolen, or if you believe that someone is using your Account or Card without your permission, notify us immediately. You can notify us by telephoning 1-800-325-BANK (2265) during business hours or at 1-800-241-0912 after business hours. 5. UNAUTHORIZED UsE � You may be liable for unauthorized use of your Account or Card. You will not be liable for unauthorized use that occurs after you notify us, orally or in writing of the loss, theft or possible unauthorized use. In any case, your liability will be $0.00. 6. CREDIT LIMIT � As security for your account, you will deposit in an s&T Bank statement savings Account and pledge to us an amount equal to or greater than your credit limit. All funds, including interest earned and paid, if any, is pledged as security for your credit card account. The minimum credit line for each account is $500 and maximum is $5,000. You agree not to use or permit the use of the Card in any manner that would cause the outstanding balance in your account to ever exceed the Credit Limit. If the outstanding balance in your account ever exceeds the Credit Limit, you shall pay such excess to us upon demand by us. 7. PROMIsE TO PAY � You promise to pay for all purchases and advances including any finance charge and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or Card, even if you do not notify us that others are using your Account or Card. In addition, you promise to pay the amount of the annual fee is charged to your account. 8. MONTHLY BILLING sTATEMENT � You will receive a monthly periodic billing statement. Your payment is due 25 days after the closing date on your statement. 9. MINIMUM MONTHLY PAYMENT- You may pay the entire New Balance shown on your monthly bill at any time or you can pay monthly installments. You must pay at least the minimum payment shown on your billing statement. This minimum payment will be 3% of the outstanding balance or $10.00, whichever is greater. 10. HOW FINANCE CHARGEs ARE COMPUTED � The finance charge on cash advances is calculated according to Method A. The finance charge on credit purchases is calculated according to Method B. The periodic rate used to compute the FINANCE CHARGE is 1.5825% per month, which is equal to an ANNUAL PERCENTAGE RATE of 18.99%. 11. FINANCE CHARGE CALCULATION METHODs � The Finance Charge Calculation Method on cash advances and credit purchases applicable to your Account is set forth in the paragraph labeled �HOW FINANCE CHARGEs ARE COMPUTED� below. METHOD A � A Finance Charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue until the date of the payment. A Finance Charge will be imposed on Credit Purchases from the date the Credit Purchase is posted to your account and will continue to accrue until the date of payment. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the Previous Balance (the outstanding balance of your Account at the beginning of the billing cycle) any new Cash Advances received and any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid Finance Charges. METHOD B � A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25 day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment more than 25 days from the closing date. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account and subtracting any payments as received and credit as posted to your Account, but excluding any unpaid Finance Charges. 12. ANNUAL FEE � A NONREFUNDABLE ANNUAL MEMBERsHIP fee of $39.00 will be charged to your account at time of issue. Each year thereafter, you shall pay an annual fee of $39.00 which shall be charged to your account as a miscellaneous charge. 13. OTHER CHARGEs � You will be assessed a late payment fee of up to $15.00 if a billing cycle minimum payment has not been posted and remains unpaid 15 days after such minimum payment scheduled due date. Payments and other credits will be applied in the following order to: (A) FINANCE CHARGEs, (B) Miscellaneous Charges, (C) Previous Cash Advance Charges, (D) Previous Purchases, (E) Current Cash Advance Charges and (F) Current Purchases. You will be assessed a Cash Advance Fee of $2.00 or 3% of the Cash Advance amount whichever is greater. You will be charged $15.00 for any additional card issued on your account (including co-applicant). A Returned Check Fee of up to $25.00 will be charged to your account if the check you give us for payment of any amount due on your account is not paid by the bank on which the check is drawn. 14. DEFAULT � If you fail to make a required payment when due or break any other promises under this Agreement, you will be in default. We can declare the entire balance of your account due and payable without notice or demand. By your signature we have received security in all funds now or hereafter deposited, including interest, in your security statement savings Account. We may use these funds to satisfy any indebtedness incurred on your account. We can also do this if you make any false or misleading statements on your application or if you die or file bankruptcy. 15. COLLECTION COsTs � You agree to the extent permitted by applicable law, reasonable attorney�s fees and all other costs and disbursements incurred by us in legal proceedings to collect or enforce your indebtedness. 16. CANCELLATION � We may cancel or suspend your Account at any time without notice. You may cancel your Account by notifying us in writing and returning all cards to us cut in half. Of course, cancellation or suspension of your Account will not affect your liability to us for credit we have extended to you. 17. PRIVACY � We may investigate your credit, employment and income records and verify your credit references. We may also report to credit reporting agencies and other creditors the status and payment history of your Account. You shall furnish to us financial statements promptly upon request from time to time and in such detail as we may require. 18. � CHANGE OF TERMs � We can change the terms of this Agreement, including the annual membership fee, Finance Charge, late payment fee, overlimit charge, cash advance fee, and the Annual Percentage rate at any time, provided we send you notice (at your address shown on our records) of the change at least 15 days prior to the effective date of the change, or if the change is an increase in the finance charge or annual percentage rate, at least 30 days prior to the change. However, we can reduce the annual percentage rate or make any other changes beneficial to you at any time without sending you notice. 19. CHANGE OF ADDREss � You will notify us of any address change within 15 days of the effective date of change. 20. AssIGNMENT OF ACCOUNT � We can assign, sell, or transfer your Account or any portion thereof without notice to you or your consent. 21. CURRENCY CONVERsION � To convert purchases and loans made in a foreign currency, Visa U.s.A. uses their own currency conversion rate and procedures which are described in their operating regulations. Currently the currency conversion rate used to determine the transaction amount in U.s. dollars is generally a government-mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustments determined by the Issuer. The currency conversion rate on the day before the transaction processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted on your account. You agree to pay the converted amount in U.s. dollars. 22. APPLICABLE LAW � This Agreement will be governed by the laws of the state of Pennsylvania and applicable Federal laws. If any part of this Agreement is unenforceable this will not make any other part unenforceable. DIRECT BANKING CENTER 1-800-325-BANK (2265) INDIANA 724-349-1800 YOUR BILLING RIGHTs KEEP THIs NOTICE FOR FUTURE UsE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. NOTIFY Us IN CAsE OF ERRORs OR QUEsTIONs ABOUT YOUR BILL If you think your bill is wrong, or if you need more information about a transaction on your bill, write on a separate sheet to: CREDIT CARD PROCEssING CENTER P.O. BOX 1111 Madison, Wisconsin 53701-1111 Write as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: � Your name and Account number � The dollar amount of the suspected error � Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. YOUR RIGHTs AND REsPONsIBILITIEs AFTER WE RECEIVE YOUR WRITTEN NOTICE We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn�t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we report you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don�t follow these rules, we can�t collect the first $50 of the questioned amount, even if your bill was correct. sPECIAL RULE FOR CREDIT CARD PURCHAsEs If you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right: a) You must have made the purchase in your home state, or if not within your home state within 100 miles of your current address; and b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services. Revised 10/10 SECURED Credit Card Application Note: If you are applying for a joint account, provide information on both applicant and co-applicant. Both signatures are required and both parties will be contractually liable. Applicant and co-applicant must be 18 or older. � Enclose a check or money order in the amount of $30.00 for application processing. � Enclose a check or money order payable to S&T Bank to establish your savings account. (Minimum $500.) � Sign the Security Pledge & Agreement at the bottom of the application. � Enclose $15.00 for each additional card required. APPLICANT Note: All sections should be .lled out completely. If not, processing of your application may be delayed. Last Name First Middle Social Security Number Date of Birth No. Dependent Children Home Telephone . Own Mo. Payment ( ) . Rent $ Street Address City State Zip Code How Long (Yrs.) 1. Previous Address City State Zip Code How Long (Yrs.) 2. Previous Address City State Zip Code How Long (Yrs.) Employment Self Employed . Yes Telephone Number How Long (Yrs.) . No ( ) Address Position/Occupation Monthly Gross Income $ Name and Address of Previous Employer How Long (Yrs.) Source of Additional Income* Nearest Relative (Not Living With You) Telephone Number Relationship ( ) Their Address City State Zip Code *YOU NEED NOT FURNISH ALIMONY, CHILD SUPPORT OR MAINTENANCE INCOME INFORMATION IF YOU DO NOT WANT US TO CONSIDER IT IN EVALUATING YOUR APPLICATION. CO-APPLICANT Provide the following information only if the co-applicant is a joint applicant or will be an account user. Last Name First Middle Social Security Number Date of Birth No. Dependent Children Home Telephone . Own Mo. Payment ( ) . Rent $ Street Address City State Zip Code How Long (Yrs.) Employment Self Employed . Yes Telephone Number How Long (Yrs.) . No ( ) Address Position/Occupation Monthly Gross Income $ Name and Address of Previous Employer How Long (Yrs.) Source of Additional Income* *YOU NEED NOT FURNISH ALIMONY, CHILD SUPPORT OR MAINTENANCE INCOME INFORMATION IF YOU DO NOT WANT US TO CONSIDER IT IN EVALUATING YOUR APPLICATION. SECURITY STATEMENT SAVINGS ACCOUNT PLEDGE & ASSIGNMENT AGREEMENT. In this agreement, the words �I� and �my� refer to each person who signs the Security Statement Savings Account Signature Card in this brochure. As security for the repayment of all credit extended through my VISA account (Account), I pledge to, and grant S&T Bank (S&T), a security interest in all funds now and hereafter deposited, including interest, in my Security Statement Savings Account (Savings Account). I agree not to make or permit any third parties, other than S&T to make withdrawals from my savings account. I agree not to give anyone other than S&T an interest in my Savings Account. I authorize S&T to restrict withdrawals from my Savings Account until my Account is closed, all of my indebtedness thereunder is fully satis.ed and all credit cards have been returned. If I have made a false or misleading statement about an important matter in this Agreement or any other agreement or application for credit with S&T, or if I exceed my credit limit or otherwise default under the terms of the S&T Credit Card Agreement and Truth-in-Lending Disclosure, or if my Account is terminated by S&T or me, for any reason, S&T may at any time thereafter, and without advance notice to me, apply all or part of my Savings Account balance to the satisfaction of any and all amounts owed on my Account. In addition, S&T may avail itself of any remedies permitted under the terms of my Account or otherwise available, according to the laws of the Commonwealth of Pennsylvania. If S&T hires an attorney to defend or enforce its rights in my Savings Account or to perform any legal services in connection with it, I will pay S&T all reasonable attorney�s fees and court costs S&T has to pay. Any change in this Agreement must be in writing. SECURITY STATEMENT SAVINGS ACCOUNT SIGNATURE CARD (This section must be completed after you have read the Security Statement Savings Account Pledge & Assignment Agreement.) Check one box only . Individual . Joint with Right of Survivorship By signing this application, I am requesting that a Security Savings Account be established as collateral to secure my credit card obligations. I agree to be bound by the Security Savings Account Pledge and Assignment Agreement and the Statement Savings Account Agreement. X Applicant Date X Co- Applicant Date BACKUP WITHHOLDING CERTIFICATIONS SS/EIN#: Under penalties of perjury, I certify that: (1) The number shown on this form is my correct taxpayer identi.cation number, (or I am waiting for a number to be issued). AND (2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been noti.ed by the IRS that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has noti.ed me that I am no longer subject to backup withholding. X Signature NOTE: If you have been noti.ed by the IRS that you are subject to backup withholding, cross out item 2. I/WE AUTHORIZE The Bank to make whatever inquiries it deems necessary in connection with this credit application or in the course of review or collection of any credit extended in the reliance on the application. I/we authorize and instruct any person or consumer reporting agency to compile and furnish to the Bank ant information it may have or obtain in response to such credit inquiries and agree that same shall remain your property whether or not credit is extended. All information set forth in this application is declared to be a true representation of facts made for the purpose of obtaining the credit requested and any willful misrepresentation on this application could result in criminal action. X X Applicant�s Signature Date Co-Applicant�s Signature Date FOR INTERNAL USE ONLY VISA ACCOUNT NO. DATE APPROVED CREDIT LINE APPROVED BY SAVINGS ACCT/# NO. CARDS PRO. CODE NO. CARDS PRO. CODE the secured VISA� card Benefits of the Secured VISA� card No-Fee Traveler�s Checks Roadside Dispatch Service Instant Cash Advances Automatic $200,000 Travel Accident Insurance Auto-Pay Option � Payments Can be Deducted Directly from Your Checking Account obtain the credit you need! To go on vacation, reserve a hotel or rent a car, a credit card has become a financial necessity. In an emergency, a credit card is better than carrying cash. It�s never too late to start building or re-building a credit history. If you have no or limited credit experience, or if you have unfavorable past credit, we may be able to help � with an S&T Bank Secured VISA� Card. So start enjoying the convenience of an S&T Bank secured VISA� Card today. &questionsanswers interest rates & interest cHarGes Disclosure statements as Secured Visa How does the You open a statement requireD by FeDeral law: Secured VISA� savings account with S&T annual Percentage rate (aPr) for Purchases Program work? Bank. By establishing an 18.99% consumer�s liability for unauthorized transfers: account, you will aPr for balance transfers Balance Transfers are not available with this option. Tell us AT ONCE if you believe your VISA� Card demonstrate your aPr for cash advances 18.99% or Personal Identification Number (hereafter financial stability as well as referred to as PIN) has been lost or stolen. Your due date is at least 25 days after the Paying interest Your liability for unauthorized use of your provide security for your close of each billing cycle. We will not charge you interest on purchases if you pay VISA� Card will not exceed $0. your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the credit card account. Once your account is open, your transaction date. If you think your bill is wrong, or if you need minimum interest more information about a transaction on your VISA� card is sent to you. charge None bill, telephone us at 1-800-325-BANK or write us at S&T Bank, P.O. Box 190, Indiana, PA 15701 For credit card tips To learn more about factors to consider is a Your secured VISA� Credit from the Federal as soon as possible. Our business days are when applying for or using a credit card, Monday through Friday, federal holidays not secured Card will look and perform visit the website of the Federal Reserve reserve board Board at http://www.federalreserve.gov/ included. We must hear from you no later VISA� card the same as any VISA� Card. creditcard. than 60 days after we sent you the FIRST bill on which the error or problem appeared. different from Use it for purchases and Fees other cards? cash advances worldwide. (1) Tell us your name and account number, Annual Fee Only you and S&T Bank $39.00 charged once per year in the anniversary month. (2) Describe the error and explain as clearly as you can why you think there is an error. If will know it is secured. you need more information, describe the item Application Processing Fee $30.00 due at time of you are unsure about. application. what will Your credit limit is equal Additional Card Fee (3) Tell us the dollar amount of the suspected $15.00 per card error, my credit �dollar-for-dollar� to the Transaction Fees (4) Tell us the date of the suspected error. limit be amount you have in your Balance Transfer Balance Transfers are not avail- on my S&T savings account.You able with this option. You do not have to pay any amount in question Cash Advance while we are investigating, but you are still VISA� card? can increase your credit Either $2 or 3% of the amount obligated to pay the parts of your bill that are of each cash limit by adding to your advance, whichever is greater. not in question.While we are investigating your savings and your credit question, we cannot report you as delinquent or Foreign Transaction take any action to collect the amount in question. limit will rise accordingly 1% of each transaction is U.S. dollars. (in $100 increments; Penalty Fees types of available transactions and limits maximum $5000.) You may use your VISA� Card and PIN to Late Payment Up to $15.00 withdraw cash from your credit account.You Returned Payment may withdraw up to $300 from ATMs per day. will my YES. Each month the Bank Up to $25.00 account information to third Parties VISA� help reports your credit limit We will disclose information to third parties me establish and payment history to the about your account or the transactions you make: credit? three major credit bureaus. How we will calculate your balance: We used transactions, or (1) Where it is necessary for completing a method called �average daily balance (including new purchases).� The information about the costs of the card (2) In order to verify the existence and condition what will If your account is not of your account for a third party, such as a credit described in this application is accurate as of 02.22.10. This bureau or merchant, or happen if my opened for any reason, information may have changed after that date.To find out (3) In order to comply with a government agency application all fees will be returned what may have changed, call us at 800.325.2265 or write or court order, or to us at S&T Bank Visa Department, PO Box 190, Indiana, is denied? to you. PA 15701. (4) If you give us your written permission.