TOTALmakesimpossible possibleLINE OF CREDITTake whatever you've been dreaming of& make it a reality.Take advantage of the equity in your home.1.99 R.3.74 R.introductory rate for 12 monthsCurrent annual percentage rateNo processing fee.Visit stbank.com or call theSolution Centerat 800.325.2265 to learn more.Sg Bank"The 1.99% Annual Percentage Rate (APR) introductory total line of credit rate will be in effect for 12months and is effective as of 3.20.17. After the 12 month introductory period, the APR will be a variablerate based on Wall Street Journal Prime rate (4.00% as of 316.17 plus or minus a margin based onyour credit qualifications, the amount of your credit line, loan-to-walue, and whether you select automaticdratt payments from an S&T Bank or Integrity Bank a division of S&T Bank checking account, with amaximum of 18.00%. A processing fee of $75 will be waived. An appraisal, if required, typically rangesfrom $85-$550 and will be paid by the borrower. Minimum line amount of $10,000 if refinancing, aminimum of $10.000 in new money must be borrowed. An early termination fee of S350 applies ifyour creditline closes within 36 months. An annual fee of S50 will be charged to your line of creditTitle insurance required on lines of $750,000 and greater, 0wner-occupied properties only, Propertyinsurance is required. Other rates and terms are available, Consult your tax advisor regarding thedeductibility of interest. Subject to credit approval. Offer subject to change or withdrawal without notice.MEMBER FDIC

Date: March 24, 2017

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TOTAL makes impossible possible LINE OF CREDIT Take whatever you've been dreaming of & make it a reality. Take advantage of the equity in your home. 1.99 R. 3.74 R. introductory rate for 12 months Current annual percentage rate No processing fee. Visit stbank.com or call the Solution Center at 800.325.2265 to learn more. Sg Bank "The 1.99% Annual Percentage Rate (APR) introductory total line of credit rate will be in effect for 12 months and is effective as of 3.20.17. After the 12 month introductory period, the APR will be a variable rate based on Wall Street Journal Prime rate (4.00% as of 316.17 plus or minus a margin based on your credit qualifications, the amount of your credit line, loan-to-walue, and whether you select automatic dratt payments from an S&T Bank or Integrity Bank a division of S&T Bank checking account, with a maximum of 18.00%. A processing fee of $75 will be waived. An appraisal, if required, typically ranges from $85-$550 and will be paid by the borrower. Minimum line amount of $10,000 if refinancing, a minimum of $10.000 in new money must be borrowed. An early termination fee of S350 applies if your creditline closes within 36 months. An annual fee of S50 will be charged to your line of credit Title insurance required on lines of $750,000 and greater, 0wner-occupied properties only, Property insurance is required. Other rates and terms are available, Consult your tax advisor regarding the deductibility of interest. Subject to credit approval. Offer subject to change or withdrawal without notice. MEMBER FDIC