FO |-9645-|    Bank 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 autherized user. The word Account means your Credit Card Account, The words you. your and yours mean you the cardmember and any joine account holders. The words we, us and our mean 5&7 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). 8. 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 ler us know in writing, and if a person has a Card you must return that Card cue in half with your written notice. 4. LOST OR STOLEN CARD — If the Card is lost or stolen, or you believe thac 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 aiter business hours. 5. UNAUTHORIZED USE — You may be liable for unauthorized use of your Account or Card, You will noc be liable for unauchorized use that occurs after you notify us, orally or in writing of che loss, theft or possible unauthorized use, In any case, your liability will be $0.00. §, 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 chan your credit limit. All funds. including interest earned and paid, if any, Is pledged as security for your credit card account. The minimum credic 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 chat would cause the outstanding balance in your account to aver exceed che Credit Limit If the outstanding balance in your account ever exceeds the Credic Limit, you shall pay such excess ro us upan demand by us. 7. PROMISE TO PAT — 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 chat 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 paymenc 's due 25 days after che 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 paymenc will be 3% of the outstanding balance or $10.00, whichever |s greacer. 10. HOW FINANCE CHARGES ARE COMPUTED — The finance charge on cash advances is calculated according to Method A. The finance charge on credic 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%. I}, FINANCE CHARGE CALCULATION METHODS — The Finance Charge Calculation Method on cash advances and credit purchases applicable to your Account is see forth in the paragraph labeled "HOW FINANCE CHARGES ARE COMPUTED” below. METHOD A — A Finance Charge will be imposed on Cash Acvanees 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 unc! the date of payment. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to che average daily balance. which is determined by dividing the sum of the daily balances during ifing cycle by the number of days in che cycle. Each daily balance is determined by adding to the Previous Balance (che outstanding balance of your Account at the beginning of the billing cycle) any new Cash Advances received and any new Credit Purchases posted co your account, and subtracting any paymencs as received or credits as posted co your account, but excluding any unpaid Finance Charges.   METHOD B — A Finance Charge will be imposed on Credic Purchases only if you elect not to pay the entire New Balance shown on your monthly statement fer the previous billing cycle within 25 days from the closing date of that statement. If you sleet net 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 mew Credit Purchases from the dare and on new Credit Purchases from the date of posting to your account during the current billing cycle. and will continue to accrue uneil the closing date of the billing cycle preceding the date an which che 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 che 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 Getermined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credic Purchases posted to your account and subtracting any payments as received and credie as pested to your Accounc buc excluding any unpaid Finance Charges. [2. 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 lace payment fee of up ta $15.00 if a billing cycle minimum payment has not been posted and remains unpaid |$ days afrer such minimum payment scheduled due date, Payments and other credits will be applied in the following order co: (A} FINANCE CHARGES, (8) 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 arnount 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 wil! 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.\4. DEFAULT — If you fall 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 anc payable without notice or demand. By your signature we have received security in all funds now or hereafter deposited, including interest, in your Security Statenvent Savings Account. We may use these funds to satisfy any indebtedness incurred on your accouns. We can also do this if you make any false or misleading statements on your application or if you die or file bankruptcy 1§ COLLECTION COSTS — You agree co the extenc permitted by applicable law, reasonable attorney's fees and ail other costs and disbursements incurred by us in fegal proceedings to collect or enforce your indedtednass. 16. CANCELLATION — Ve may cancel or suspend your Account at any time without nocice, 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 recerds and verify your credic 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 requesc from time to time and in such decal 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 race at any time, provided we send you notice (at your address shown on our records) of che change at least 15 days prior to the effective date of the change, or if the change ‘s an increase in the finance charge or annual percentage rate, at least 30 cays prior to the change. However. we can reduce the annual percentage rate or maka 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 race and procedures which are described in their operating regulacions. Currently the currency conversion rate used to determine the transaction amount in U.S. dellars is generally a government mandated rate in effecc for the applicable central processing date. in each instance, plus or minus any adjuscments determined by the Issuer. The currency conversion race on the day before the transaction processing date may differ from the rate in effect at the time of the transaction or cn the dace 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 wil not make any other part unenforceable. DIRECT BANKING CENTER |-800-325-BANK (2265) INDIANA 724-249-| 800   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 Ifyou 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 |I11 Madison, Wisconsin 53701-1111 Write az soon as possible. We rnust hear from you no later than 60 days after we senc 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 fallowing 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, lf you need more information. deseribe che item you are nor sure abour. 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 lecter within 30 days, unless we have corrected the error by then, YVithin 90 days, we must either correct the error or explain why we believe the bill was correct After we receive your lecter, we cannot try te 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 chat are not in question. lf 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 Ir 1s due. If you fail to pay the amoune chat 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 af anyone we report you to. We must cell anyone we report you to chat the matter has been settied 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 merchans, you may have the right not to pay the remaining amount due en 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 Dean more than $50. These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for che property or services. Revised 09/10    — 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 roust 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 filled out completely. If not, processing of your application may be delayed. Last Name First Middle Social Secunty Number       Dats of Binh “Mla. Faym rt       ‘Stree Address — - city     4, Previous Address     es eroeennere rete i sf ‘i i          How Long (Yrs               ‘ployrnant Telephone Numb — ! Address Pasition/Occupation Monthly Gross Income 5 Name and Address of Previous =mployer. iit 7 How Lang i yrs.)   Source of Additional income*          Relationship                 Nearest Relauve (Not Living With You   Their Asdress:   Zip Code     “YOUNEED NOT FURNISH ALIMON’ 3 eo WT US TS CONSIDER IT I EVALUAT! CO-APPLICANT Last Name                 Cate of Sith No. Dependent Chilerar Home felepicne t }   Street Adress —— Clty        ‘Seif Emplayed | ves Telephone Number a How Long iv rs. = Na f }           ‘Emolayment |           enthly Grogs Income   Address s   Name and Adgresa of Previous Employer s How Long (Yrs.       Source of Additional Income’      DO ACT WANT dS. TG CONS   JPPORT OF MAINT   NCE INSOME INF TRALAT EO   SECURITY STATEMENT SAVINGS ACCOUNT SIGNATURE CARD on leted aner you have -sed Accoun Plegge &     This § the Security Assignment Agreeit         fa] Check oe box ancy          Do insivdyel = Jos wen Fignt of Serviversnia 12) ngs Account balance tah I anion: S57 Atay aval itself ts x Apolicant Date BS Sugeature    NOTE: Ifyou Save tater area subject to backup withnataing. ofoss aut item 2    - Applicant _ ; Gate —       WWE AUTHORIZE The Sank t9 make whatever inquines it deems necessary in connection with this credit application or in the course of review or collection of any credit extended in the rebance on the apolcation. liwe authonze 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 inguines and agree iat same shall remain your property whether or nol 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 ihe credit requested and any willful misrepreseniaton on ths application could result in criminal action x x Applicants Signature Co-Appheant's Signa   Bate         FOR INTERNAL USE ONLY A ACCOUNT NO.     APPROVED CREDIT LINE APPROVED SY     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   Bank MEMBER FDR Automatic $200,000 Travel Accicent 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 jate to start building or re-building a credit history. lf 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. DISCLOSURE STATEMENTS AS REQUIRED BY FEDERAL LAW: Consumer's Liability for Unauthorized Transiers: Tell us AT ONCE if you believe your VISA® Card or Personal Identification Number (hereafter referred to as PIN} has been lost or stolen, Your liability for unauthorized use of your VISA® Card will not exceed $0 Ifyou think your bill is wrong, or if you need more infarmaten about a transacuan on your bill, telephone us at 1-800-325-BANK or write us at S&T Bank, PO Box 190, Indiana. PA 1570] a5 soon a5 possible. Our business days are Monday through Friday, federal holidays not included. We must hear from you ne facer than 60 days after we sent you che FIRST bill on which the error or problem appeared, {1} Tell us your name and account number, (2) Describe the error and explain as clearly as you can why you chink chere is an error. If you need more information. describe the sem you are unsure about. Tell us the dollar amount of the suspecced ervar, {4} Tell us the date of the suspected errar    You do net have co pay any amount in question while we are invescigating. but you are sll obligated to pay che parts of your bill that are notin question, While we are wvestigaung your question. we cannot repore you as delinquent or take any action ro collect che amount in question, Types of Available Transactions and Limits You may use your VISA* Card and PIN to withdraw cash from your credic accounc You may withdraw up co $300 from ATMs per day. Account Information to Third Parties We will disclase information ta third parties about your account or the transacuons you make: (i) Where itis necessary for completing transactions, or (2) In order to verify che existence and condition of your account for a chird party. such as a credit bureau or merchant or {3} In order to comply with a government agency or court order, or {4} you give us your written germission. Questions How does the Secured VISA® Program work? Isa Secured VISA® Card different from other cards? What will my credit limit be on my VISA® Card? Will my VISA® heip me establish credit? What will happen if my application is denied? Answers You open a statement savings account with S&T Bank. By establishing an account, you will demonstrate your financial stability as well as provide security for your credit card account, Once your account is open, your VISA® card Is sent to you. Your secured VISA® Credit Card will look and perform the same as any VISA® Card. Use ic for purchases and cash advances worldwide. Only you and S&T Bank will know it is secured, Your credic limir is equal “dollar-for-dollar” to the amount you have in your S&T savings account. You can increase your credit limit by adding to your savings and your credit limit will rise accordingly {in $100 increments; maximum $5000.) YES. Each month the Bank reports your credit limit and payment history to the three major credit bureaus, If your account is not opened for any reason, all fees will be returned to you,   INTEREST RATES & INTEREST CHARGES Secured Visa Annual Percentage Rate DAPR) for Purchases 18.99% SPR for Balance Transiors APR for Cash Advances Paying interest Minimum interest Charge   For Credit Card Tips from the Federal Ta haart eve abut            Reserve Board sehen aoplyitig tor oe wealth wrebtite t i FEES Anaual Fea $39.00 charged once per year iw the-anriversary month | Apobcaton Processing Foe i $30,00 due ac ume of APpECaUon. | Additonal Card Fee Ppl | . $5.00 per card | Transaction Fees Balance Transfer      apsfers are nat avail | this opt-on | Cash Advance pe Eicher $2 of 3% of che amount of each cai advance. whichever 14 preacer.   Foreign Transaction 1% of each ommsaction 4s 5   dollars. Penalty Fees Late Payment Lip co $15.00 Returned Paymesc Upto $25.00   How We Will Calculate Your Balance: Vve used a methed cailed ‘average daily balance (imefuding aew purchasesi.” The information about che costs of the card described in this application 's aceurace as of 02,22,10, This infarmation may have changed after that date, To find out what may nave changed, call us at 800,325.2265 ar write to us at S&T Bank Visa Department PO Box 190, Indiana, PA I5701.   B19