S Bank Retain this Information for Future Use S&T BANK CARDHOLDER VARIABLE RATE AGREEMENT AND DISCLOSURE STATEMENT    \GREEMENT TERMS AND ACCEPTANCE: In this reement the word Card means any one or more of the Visa Cards issued to vou or to wn 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 vour Account or Card by vou or anyone wham vou autherize ar permit tO use our Account or Card, is considered acceptance dy vou 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 (eredit purchases |. B. Cash advances obtained from banks or others through use of this Card. C. Check advances through the use of special convenience checks issued 10 access your credit card account, Such checks may not be used t0 pay your credit card bill with us D This account will net be used for iHegal reansactions, We are nol responsible for the retusal of anyone to acvept or honor the card. 3. AUTHORIZED USERS- You promise to pay for al! purchases and advances made by anyone you authorize to use vour Account, whether or not you notify us that they will be using it [f you want to cancel the authorized or permitted use of your Account or Card by another person, you must let us know in avriting, and fa person has a Card you must retum that Card cut in half with VOur wnitten notice 4. LOST OR STOLEN CARD- If the card is lost ur stolen. or if you believe that someone is using your Account or Card without your permission, notify us immediately. You can notity us by telephoning 1-800-325-BANK (2265) during business hours or at 1-80-24 4-010] 2 after business hours. In the Indiana, PA area you can nouty us by telephoning 724-349-1800 dunng business hours 5. UNAUTHORIZED USE- You may be liable for unauthorized use of your Account or Card, You will not be liable tor unauthorized use that occurs afer you notily us. orally or in wmiting of the loss. theit or possible unauthorized use within 48 hours. In any case, your liability will not exceed $0.(i). 6 CREDIT LIMIT- You will be advised of the available line of credit applicable to your Account, You promise not to allow vour Outstanding balance to exceed your credit limit If you should exceed your limit, we can still charge you for all purchases and advances without giving up any of our rights We may increase or decrease your credit limit at any ume.     7. PROMISE TO PAY- You promise to pay tor all purchases and advances including any finance charge and other charges or fees, incurred by you or anyone you authorize or permit to use vour Account or Card. even if you do not notify us that others are ising your Account or Card, In addition, you promise to pay the amount of the annual fee, iPany 1s charged to vour Account,   8. MONTHLY BILLING STATEMENT. You will receive a monthly periodic billing statement. Your payment |s due 25 davs after the closing date on vour statement, 9. MINIMUM MONTHLY PAY MENT- You may pav the entire New Balance shown on your monthly bill at any time or vou can pay monthly installments, You must pay ut least the minimum payment shawn on vour billing sutement. This minimum payment will be 3% of the outstanding balance or $ 12.00, whichever is greater 1, VARIABLE RATE INFORMATION- The finance charge on cash advances is calculated according to Method A. The finance charge on credit purchases is calculated aecording to Method B. [he current monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE for new accounts are disclosed on the accompanying card mailer These rates may vary monthly and shall be adjusted on the first day of each billing period (“Change Date”). The ANNUAL PERCENTAGE RATE on cach Change Date shai? equal the highest prime rate published in THE WALL STREET JOURNAL “Money Rates” tables on the last date of publication in the calendar month preceding cach Change Date (“Index Rate”) PLUS a Margin of 6 percentage points (Plus 2 margin of 8 percentage points tf vou choose the no annual fee option.) The monthly Penodic Rate is 112th of the ANNUAL PERCENTAGE RATE. Beginning on the date an adjustment in the rate is eReetive and unol the next Change Date, the monthly Periodie Rate then in eMct will be applied to the balange in the Account to determine the Finance Charges. An adjustment in the monthly Peniadic Rute and corresponding ANNUAL PERCENTAGE RATE will apply to both outstanding balances in the Account and to new cash advances {including any balance transfers from other credit card accounts), credit purchases, and other charges. An increase or decrease in the Index Rate will cause an increase or decrease in the monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE and may increase or decrease the amount and Aumber of mmumum payments, The minimum finance charge is $50. The rate of Finance Charge shall not exceed the maximum rate permitted by law, tf any és applicable. [f the Index Rate ceases to be made available. we may substitute a substantially similar index and margin     LL. FINANCE CHARGE CALCULATION MIETY fODS- The Finance Charge Calculation Method on cash advances and credit purchases applicable to your Account is set forth in the paragraphs below METHOD A- A Finance Charge will be imposed on Cash Advances Irom the date made or from the first day of the billing cycle in which the Cash Advance is posted to your Account, whichever ts later. and will continue to accrue until the dite of the payment, ‘The Finance Charge for a billing evele is computed by applying the monthly Penodic Rate to the average daily balance. which is detennined by dividing the sum of the daily balances during the billing eyele by the number of days in the evele. Each daily balance is determined by adding w the Previous Balance (the outstanding balance of your Account at the beginning of the billing evele) any new Cash Advances received and any new Credit Purchases posted to your Account, and subtracting any payments as recerved or credits as posted to your Account. but excluding any unpaid Finance C harges. METHOD B- A Finance Charge will be imposed on Credit Purchases only if vou elect not to pay the entire New Balance shown on your monthly statement for the previous billing evele within 25 days trom the closing date ofthat statement. U' vou elect not to pay the entire New Balance shown on your previous monthly’ statement within that 25 dav period. a Finance Charge will be Anposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases irom the date of the transaction to your Avcount dunng the current billing evele, and wall continue to accrue until the closing date of the billing evele preceding the date on which the enure New Balance is paid in tull er until the date of pavment mare than 24 days from the closing date The Finance Charge for a billing cyele is computed by applying the monthly Periodic Rate wo the av erage daily balance of Credit Purchases which is determined by dividing the sun) of the daily balanves during the billing cycle by the number of days in the evele, 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 vour Account and subtracting any payments as recetved and credit as posted to your Account, but excluding anv unpaid Finance Charges 12, ANNUAL FEE- A NONREFUNDABLE ANNUAL MEMBERSHIP FEE OF $25.00 WILL BE CHARGED TO YOUR ACCOUNT UPON ISSL ANCE AND ANNEALLY THEREAFTER, [F YOU CHOOSE THE NO ANNUAL FEE OPTION, THE MEMBERSHIP FEE IS $0.00,      13. OTHER CHARGES- You wil! be assessed a late payment fee up to $20 00 Fa billing cvele minimum payment has not been posted and remains unpaid 10 days afer sueh minimum payments scheduled due date. Payments will be applied the following order (A) FINANCE CHARGES, (B) Miscellaneous Charges, (C) Previous Cash Advanee charges, (D} Previous Purchases. (E} Current Cash Advance Charges and (F) Current Purchases. You will be assessed a Returned Check Fee of up to $25 G0 ta vour Account if the check VOU give us for payment of any amount due on your Account is not paid by the bank on Which the check is drawn. If vour card ts reported lost or stolen you will be assessed] a processing fee of $15.00, You will be assessed a fee of $5 0)per card for any replacement card requested, You will be assessed a fet up to $28.00 for any convenience check that is retumed for insufficient credit availability. A cash advance fee will be asse ssed to vour Account whenever you take a cash advances or wmte a convenience check against your Account This fee will be 4% of the total amourt of the total of each cash advance taken of $4.00, whichever is higher        14. DEFALLT- Ifyou fat to make a required payment when duc or break any otiter promuses under this Agreement, you will be in default, We can deciare the entire balance of your Aecount due and payable without notice of demand, We can also do this if you make any false or misleading statements on your appheation oT ifvou die or file bankruptey 18, COLLECTION COSTS- You agree to pay f0 the extent permitted by applicable law. reasonable attomey *s fees and all other costs and disbursements incurred by us in legal proceedings to eollect or enloree vour indebtedness 16. CANCELLATION- We may cancel oF suspend your Account at any time vethout notice, You may cancel your Account by noufying us in writing and retuming all cards to us cul in half Orecourse, cancellation or suspension of your Account will not affect your liability to us for credit we have extended to you 17. PRIVACY- We may aivestigate 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 fiumish to us financial statements promptly upon request from time to ume and i such detail as we may require.     18, CHANGE OF TERMS- \We can change the terms of this Agreement. including the annual membership fee. late payment fee. and over limit charge at any ume provided we send vou notice (at Your address shown on Our records) of the change at least 43 days prior to the effective date of the change However, we can make any other changes beneficial to you al any time without sending you notice 19, CHANGE OF ADDRESS- You will nouly us of any address change within 15 days of the effective date of change. 2), ASSIGNMENT OF ACCOUNT-We can assign. sell, or wranster your Account of any portion thereof without notice te you er your consent 21, CURRENCY CONVERSION- To convert purchases and loans made ina foreign currency - Visa USA, uses their own currency conversion rate and procedures which are described in their operating regulations C urrently the currency conversion rate used to determine the transaction amount in U.S dollars is generally a govermment- mandated rate in effect for the applicable ventral processing “ate, plus or minus any adjustments determined by the Issuer The currency conversion rate on the day nefore the transaction processing date may differ from the rate in effect at the time of the transaction or on the date of the transaction 15 posted on your Agcount, You agree to pay the converted amount in U.S. Dollars. 32, APPLICABLE LAW- This Agreement will be governed by the laws of the state of Pennsy!vania and applicable Federal laws. if any part of this Agreement is unenforceable this does not make any other part unenforceable DIRECT BANKING CENTER {-800-325-B.ANK (2265) or locally in Indiana at 724-349-1500 YOUR BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE ‘This nouce 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 vou think your bil] is wrong. or if you peed more information abouts transaction on vour bill, write ona separate sheet to CREDIT CARD PROCESSING CENTER P.O, BOX 110 Madison, Wisconsin S3701-1113 Write as soon as possible. We must hear from you no later than 60 days atier we sent vour the first bill on whieh the error or problent appeared You can telephone us. but doing so will not preserve your rights In your letter. give US the following mifermation. « Your name and Account number «The dollar amount of the suspected error + Deseribe the error and explain, iPwou can, wit you believe there 's an error. Ifyou need more information, deseribe ie tem you are not sure about. Ifyou have guihorized us to pay your credit card bill auromaticall) from your savings OF checking gecount, vou can stop the payment on any amount yOu think is wrong To stop the vayment your letter MUSt reach us three business days before the automatic payment 1s scheduled Lo OCeUE YOUR RIGHTS AND RESPONSIBILITIES AFTER WE RECEIVE YOUR W RITTEN NOTICE We must acknowledge your letter within 30 days. unless we have corrected the error by then. Within 90 days, we must either cormect the error or explain why We believe the bill was correct Atter we receive your fetter. We cannot try to collect any amount you question, of 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 VOUr credit limit Youdo not have to pay any questioned amount avhile we are investiganng. Out 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 hill, you will not have to pay any finance charges related to any questioned amount. Ti we didn’t make 4 mistake, you may have 1 pay finance charges. and You will have to make up any missed payments on the guestioned amount In cither case, we will send you 2 statement of the amount you owe and the date that it is due if you tail to pay the amount that we Hhink you ewe, we inay Teport you as delinguent. However, :four explanation dees net satisfy you and you wile 10 US within ten days telling us that vou still refuse lo 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 anvone we report you to tliat the matter has been settled Setween us when It finally 15. If we don’t follow these mules. we can ‘collect the first $80.00 of the questioned amount. even if your bill was correct SPECIAL RULE FOR CREDIT CARD PURCHASES If you have a problem ith the quality of property oF Serv ices that you urchased with a credit card, and you have tned in good faith to correct the problem with the meretant you may have the rn ghit not to pay che remaining amount due on the property of services ‘There are TWO limitations on this mghv ay You must have made the purchase in your home state, 07 if not within your home site within OG miles of your current address, am by The purchase pnee must have been more then $50.00 These limitations ce 110% apply if we own oF operate the merchant, OF Ww we mailed vou the agvertisement for the property oF services Rev. 69-2010VISA Classic Template 10 v15 Layout 1 12/17/2010 12:39 PM Page 1 : = |           Please Read the Follawing Before Signing bavutted ta abrain credic and Pwe certity thac all and Complete, we agree chat inquerhes informanon and thac credit references or verficagen may be green based on mquivies fram other partes, Ths coffer is subject co che credit pobcies of this imvutunon. Iwe agree 09 be bound hy che terms and conditions of ulus card agreement, 4 copy of whack will be maded to apphcant Wf thn application is ganted, reompt of such agreement and aocepiance of such terns 10 be Jusively presumed by the applicant's use, Wf this is a jount the undersigned shall by jgiody and severally lable tor       This stacensesy VISA’ CLASSIC CREDIT CARD       S3Lvis d3.iNn BHLN! OaTIVW 4 AYWSS393N 3OV1SCd ON       | Mo Anrual fee Option percentage [9.25% 11.25° Gre) for | Tha APs soll sary sath ov! Thur APR welll aan p evitee thee irchages | watiet bo: rung Hace | arkes baiee on the Prien Mave APR for BoTe" W125 Balance Ehia Au well epey ols thee ‘Buy fu orally eth ha tase Fon the Price Bate. Jarier treet on tee Prana Male APE lor 9.15* a5 Cash ‘Ve APR wall wary lle they ‘Wea, AP wall wary ins they Advances eit betas! co che Plame fle aries bated on thee Pane fe        S&T VISA” A CHOICE FOR EVERYONE S&T offers a VISA card with solid service and low, low rates, customized to meet your needs and preferences. You can choose a combination of rates and annual fee that fits you bese.           Paying Tot Que date at an haat Ub wher the close of each Mleg ayule     Wo YNVIQN 4 Hininnen Wyou are charged avereat the charge will be au tose thine BES tereat hd kd ke | Sol | Tal aks TE | tl | 9 Gel al a If you pay off your card monthly, consider the no annual fee option. (The rate is variable ar Prime, plus 8%.) If you carry a balance from ume to time, consider the card with a $25 annual fee and a lowes rate. (The rate is variable at Prine, plus 6%).   for Credit | te bein more atest Botany ee comedian ater applpiig bor oe org o Kard Tips | ceca cad net che metuee ol the Federal Pecarer Bann ot     €2 ON LIWE3d ANFWLY Wedd 2VSIAIN LLY B3SSEUCCW AE ive 38 TIM 3OVLSOd ANVE LES Obtain the Credit You Need! To go on vacation, reserve a hotel or renta cara credit card has become a financial necessity. In an emergency, a credit card is becter than carrying cash. + Aanwal Fea     Tareacoo Fons © Babasce Baten 4 or 49 of thet anioiein af each trandies elndieeen ab graaier Transfer * Cash Gates 14 oe 4 A ne aan of each cath adeance. etcherer Advance prea     CO6E-L02S1 Vd YNVIONI 06! 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O America’s Choice O] Preferred Account $ Four Sear Club id Account Number Amount of Credit Requested   {rust be minimiuer @! $2,000)   Weuid you like to order VISA Checks? J Yes J) No       Last Name First Name Middle Initial Social Security Number Date of Birth Address City Zip Code shape coed Moryege J Rent Monthly Housing Expense                       Employer Phone Number Years Employed Gross Manthly Income Previous Address Previous Employer Years Employed Mearest Relative Address Phone Number CoApplcantName ss—<—is~—si‘—sSCS Social Security Number Date of Birch Co-Applicant Employer = Phone Number ‘Years Employed ~ Gross Monthly Income Alimony, child support and separate maintenance mcome need not be disclosed if you do not wish te have it considered as 2 basis for repaying this obbgation. Credit Information   Bank Name and Address Branch   Checking Account Muniber/Name Listed Savings Account Number/Mame Listed           Mame and Address of Creditor Name on Account Account Number Balance Monthly Payment Ea 1, Automobile $ $ 2. Home Mortgage $ $ 3. Bank Credit Card/Bank Name & Address s $ 4. Other $ a Bi         jeant's Signi     FOR INTERNAL USE ONLY VISA Account Number Date Approved Creeit Ling Approved By       Disclosure Statements as Required by Federal Law: ‘Consumer’: Liability tor Unauthorized Trane! ‘Teltas AT ONTE ¢ row ceien your VILE Card dhereaher telerrwe ceo FON) han beer fost © of pour 54 Cand b MO you report o of dusoerey              oe the of the cord wither 48 boars fF yess ehied, yeeur O08 ig wrong, or # you seed more information abet 1 I:TAECUGH On pour Ball, nedephoow ut at 1BO0-375-RANS ov 774-349-1800 in indians qe wee Cree Card Protmung Ces Daypuce Resoharon, PO) Bar (01. 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