This account gives you premium checking, online banking, free ATM transactions, and a bunch of exclusive features that save time, money, and energy.

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• Free anywhere ATM transactions.¹
• An exclusive Debit Rewards Card that gives you cash back!²
• Preferred ExpressNet with BillPay is a customized Web site designed specifically for Preferred Account customers. Online alerts periodically notify you of special offers.
• Your first order of Preferred Account checks is free.³
• .25% interest rate reduction (from our regular coupon rate on Direct Installment Loans and Home Equity Installment Loans).
• .05% bonus on CD rates.⁴

1. Minimum daily balance of $1,000
2. Combined Deposit and HOME Center outstanding loan balance of $50,000 or more.
   (HOME Center balances include home equity loans, home equity lines of credit, and mortgages.
3. $10 monthly maintenance fee if balances are not met.

¹ No S&T foreign ATM fees. Up to 10 surcharge fees will be reimbursed per statement cycle.

² $.10 credited to your account for every credit or signature based transaction made with your Preferred Account debit card.
The total debit reward incentive will be reported to customer on a 1099 INT for tax purposes.

³ First order of Preferred account checks are free to new Preferred accounts only and not to converted accounts.

⁴ Offer excludes Smart Start and S&T Bill CD.

⁵ The cost of the magazine incentive will be reported to customer on a 1099 INT for tax purposes. The magazine subscription is free to new Preferred accounts only and not to converted accounts.