Home Mortgage Disclosure Act (HMDA)
HMDA data about our residential mortgage loans is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, gender, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at any of our branches or contact S&T’s Compliance Officer regarding the locations where HMDA data can be inspected.

Annual Disclosure Statement-Notice of Availability
Financial information about the bank is available to our customers and the general public on request. In accordance with the Federal regulation to facilitate more informed decision making by depositories and the general public, we will provide an Annual Disclosure Statement containing financial information for the last two years. This information will be updated each year as of March 31st. To obtain a copy of the Annual Disclosure Statement, please contact:

S&T Bank
Accounting Department
P.O. Box 190
Indiana, Pennsylvania 15701
800-325-2265

Funds Availability Policy
Our general policy is to allow you to withdraw funds deposited in your account on the next business day after the day we receive your deposit. Funds received via Automated Clearing House will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the next business day. In these cases, the funds will generally be available by the second business day after the day of the deposit. For further information, please contact our Direct Banking Center at 800-325-BANK.

FDIC Insurance
The Federal Deposit Insurance Company provides coverage for depositor's funds through various programs. Click here for details or visit the FDIC website at www.fdic.gov.

S&T Investment and Brokerage Services
Mutual Funds and other investments offered through S&T Investment, Brokerage, and Wealth Management Services are not insured by the FDIC or any other Federal government agency, and are subject to investment risk, including possible loss of principal.

Truth in Lending
S&T Bank conducts it’s lending activities in accordance with the Federal Truth in Lending Regulation (12 CFR 226), its deposit activities in accordance with the Federal Truth in Savings Regulation (12 CFR 230), and all banking functions in accordance with the Pennsylvania State Banking code.

Equal Housing Lender Regulations
We do business in accordance with Federal Fair Lending Laws. Under the Federal Fair Housing Act, it is illegal, on the basis of race, color, national origin, religion, sex, handicap, or familial status (having children under the age of 18) to: deny a loan for the purpose of purchasing, constructing, improving, repairing or maintaining a dwelling, or deny a loan secured by a dwelling, or discriminate in fixing the amount, interest rate, duration, application procedures or other terms and conditions of such a loan, or in appraising property.

If you believe you have been discriminated against under the Federal Fair Housing Act, you should send a complaint to:

Assistant Secretary to Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Washington, DC 20410

For processing under FDIC regulations send a complaint to:

FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, Missouri 64108

Equal Credit Opportunity
Under the Equal Credit Opportunity Act, it is illegal to discriminate in any credit transaction

• on the basis of race, color, national origin, religion, sex, marital status, or age
• because income is from public assistance
• because a right was exercised under the Consumer Credit Protection Act

If you believe you have been discriminated against, you should send a complaint to:

FDIC Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, Missouri 64108

USA Patriot Act

Important information about procedures for opening a new account.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to:

• Obtain, verify and record information that identifies each person who seeks to open an account, including deposit, loan, safe deposit box, trust and investment accounts.
• Maintain records of information used to verify the person's identity including name, address and other indentifying information.

We proudly support all efforts to protect and maintain the security of our customers and our country.