TAILIEUCHUNG - S&T Bank Rates and Fees

The last few months have seen continuing volatility in Britain’s economic data. After a fall of in the fourth quarter of last year, GDP has risen by the same amount in the first quarter of this year. So over the two quarters taken together there has been no economic growth – an outcome weaker than many people, including me, had expected two or three months ago, but nevertheless one which has not fulfilled fears of a new contraction. The inflation rate moved sharply higher in January, under the influence of the increase in VAT. And. | 0 ank MEMBER FDIC S T Bank Rates and Fees Effective December 26 2012 through January 1 2013 Growth Income CD Time Deposits - Available for amounts up to 500 000 Please see Footnote 1 for disclosure. Opening Balance Requirements Annual Percentage Yield Interest Rate Relationship CD Offer 7 days to 31 days 75 000 NO 32 days to 89 days 75 000 NO 90 days to 181 days 1 000 NO 6 months to 12 months 1 000 NO 1 year to less than 2 years 500 YES 2 years to less than 3 years 500 YES 3 years to less than 4 years 500 YES 4 years to less than 5 years 500 YES 5 years 500 YES IRA CD Time Deposits Please see Footnote 1 for disclosure. Opening Balance Requirements Annual Percentage Yield Interest Rate Relationship CD Offer 6 month 1 000 NO 1 year to less than 2 years 500 YES 2 years to less than 3 years 500 YES 3 years to less than 4 years 500 YES 4 years to less than 5 years 500 YES 5 years 500 YES S T-Bill CD Time Deposit 12-month CD Please see Footnote 10 for disclosure Opening Balance Requirements Annual Percentage Yield Interest Rate Relationship CD Offer Effective December 3 2012 500 NO Smart Start S T-Bill CD Time Deposit 12-month CD Please see Footnote 1 1 for disclosure Opening Balance Requirements Annual Percentage Yield Interest Rate Relationship CD Offer Effective December 3 2012 250 NO Quick Cash 10-Month CD Time Deposit or IRA 10-month CD Please see Footnote 2 for disclosure Opening Balance Requirements Annual Percentage Yield Interest Rate Relationship CD Offer 1000 NO NO RELATIONSHIP BONUS AVAILABLE ON THE T-BILL CDs. Page 1 of 10 0 ank MEMBER FDIC Money Market Accounts Please see Footnote 3 for disclosure. Opening Balance Requirements Annual Percentage Yield Interest Rate Regular MMA 0 through 9 - 10 000 .

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