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¹The 3.99% Annual Percentage Rate (APR) introductory total line of credit rate will be in effect for 6 months and is effective as of 1/1/2025. After the 6-month introductory period, the APR will be a variable rate based on Wall Street Journal Prime rate (7.75% as of 1/1/2025) plus or minus a margin that may be based on your credit qualifications, the amount of your credit line and loan-to-value, with a minimum of 2.99% and a maximum of 18.00%. The offer requires a minimum line amount of $25,000 and an automatic draft payment from an S&T Bank checking account. The offer is not available for existing S&T Bank home equity line increases or refinancing existing S&T Bank home equity and mortgage debt. The offer is not available on home equity total line of credit renewals. A processing fee of $75 will be waived. An early termination fee of $350 applies if your credit line closes within 36 months. An annual fee of $50 will be charged to your line of credit. Title insurance required on lines of $750,000 and greater. Offer not available for investment and income-producing properties. Property insurance is required. Other rates and terms are available. Consult your tax advisor regarding the deductibility of interest. Subject to credit approval. Offer is subject to change or withdrawal without notice.

²Payments for appraisals, when required, are the responsibility of the borrower(s). Appraisals typically range from $75-$950; however, the first $90 in appraisal fees will be waived. The Bank shall choose the appraisal type for the loan.