Welcome Guide Table of Contents

Welcome ...... 3

Important Dates to Remember . . . . . 4

Deposit Account Enhancements . . . . 7

Schedule of Fees ...... 8

Frequently Asked Questions ...... 9

Convenience Banking Services ...... 10 ^ Debit Cards ^ Free Telephone Banking ^ Our Website is Changing! ^ and Bill Pay ^ Statement Production ^ (Touch Banking)

NexTier Mobile...... 12

Personal Account Features ...... 14

Business Account Features . . . . . 20

NexTier Treasury Management. . . . 26

NexTier Insurance Services...... 28

NexTier Wealth Management. . . . . 30

Locations and ATMs ...... 32

Welcome to NexTier ! As you may know, NexTier Bank has proudly operated in Butler, Armstrong, and Northern Allegheny Counties for over 135 years. Throughout those years, we have worked with individuals, families, organizations, and businesses; helping to contribute to the economic growth and community enrichment in our region. As we continue to increase the number of markets we serve, we are excited to announce that we are merging with Eureka Bank in January, 2016.

The joining of our is the combination of two organizations with the same fundamental mission and values. We believe that it is very important for the towns that we serve to have a strong local bank, a true community bank that supports our local businesses and charitable organizations. That’s who we are, and that is what we will continue to be.

In the following guide, you will find the details and answers to questions you may have. Beginning February 8, 2016, you will be able to visit any of our 26 Financial Service Offices for all of your banking needs, insurance needs, or investment advice. Our goal is to make this transition as seamless as possible. We are appreciative of your support and patience. We look forward to serving you today, and for many years to come.

Welcome to the NexTier family!

Sincerely,

Richard J. Krauland President & CEO of NexTier Bank Inspired by You.

On Monday, February 8th visit our NEW website: www.nextierbank.com 3 Please Read: Important Dates to Remember

Week of January 25th – 29th ^ New NexTier Visa® Debit Card will arrive in the mail. Call 1-800-992-3808 to activate your card upon arrival. Begin using your new card on Monday, February 8, 2016.

Weekend of Friday, February 5th – Sunday, February 7th ^ Existing Eureka Bank Debit Cards will have limited usage until Monday, February 8th. ^ You will not have access to Eureka Online Banking, Telephone Banking, or Mobile Banking beginning Friday at 5pm. All bill pay payments will occur as scheduled.

Friday, February 5th ^ Eureka Bank offices will close as usual at 6PM, all ATMs will be available for your convenience.

Saturday, February 6th ^ All Eureka Bank Offices will be closed as we make the transition to NexTier Bank. All of our ATMs will be available 24/7 for your convenience.

Monday, February 8th ^ Begin using your NexTier Visa® Debit Card. ^ Visit any of our 26 locations for all of your banking and insurance needs, view locations on page 32. ^ New Online Banking will be available at www.nextierbank.com – see page 11 for details. ^ New telephone banking system will be available toll-free at 1-866-725-5413 or 1-844-639-8437. ^ Eureka Bank Debit Cards will be discontinued. ^ Download NexTier Mobile from the App Store to begin using mobile banking – see page 12 for details.

Please note that the legal merger between the two banks will be on or about January 14th. Eureka customers will be able to access NexTier Products, Services and Locations beginning February 8, 2015.

CUSTOMER CARE CENTER

Extended Calling Hours Give us a call, locally: (out of area, toll-free) SATURDAY FEBRUARY 6 from 8AM – 5PM SUNDAY FEBRUARY 7 from 9AM – 3PM 412.681.8400 OR 412.821.4879 | 1.800.262.1088 M-F, WEEK OF FEBRUARY 8 from 8AM – 8PM 5 Passbook Information: Passbook Savings accounts will be converted Deposit Account Enhancements to Personal Savings accounts. In lieu of issuing We’re taking your banking relationship to the next level. and updating passbooks, you will begin to receive either a monthly or quarterly statement displaying all of your posted transactions. In addition, you NexTier Bank offers an expanded line of deposit accounts with an added value will be able to view these transactions via NexTier of protection. The following chart will assist you in identifying the new deposit Online Banking and NexTier Mobile Banking. account terms to which your existing Eureka will be converted. Your first statement will display all transactions that were not previously posted to your passbook All changes will be effective as of Monday, February 8, 2016. through February 5th.

Features Christmas Club Information: If you currently have: You will have this NexTier account: on Page Christmas Club accounts will be converted to Free Checking Essential Checking 14 Savings Club accounts. In lieu of issuing and updating passbooks, you will be able to view NexTier NOW Checking – Same terms and NOW Checking these transactions via NexTier Online Banking conditions as current Eureka Bank Account. and NexTier Mobile Banking. Statement Savings Personal Savings 16 Passbook Savings* Personal Savings 16 Christmas Club* Savings Club 17 Certificates of Deposit & Money Market Plus Personal Money Market 17 Individual Retirement Accounts: Simple Business Checking Business Alliance Checking 21 All terms and conditions for Certificate of Deposit Certificates of Deposit & See details to the right. (CD) and Individual Retirement (IRA) accounts Individual Retirement Accounts will remain the same except that compounding of interest will occur at the time interest is credited. * For Passbook and Club Accounts, we will no longer continue issuing or updating Passbooks. Monthly service charge will be waived. When your CD or IRA matures after the merger, you will have the option to renew, however rates and terms and conditions are subject to change. 7 Effective February 2016

Account Research & Reconcilement $25.00 / hour Amortization Schedule $10.00 Bond Coupons $10.00 Cashier’s Check $10.00 Debit Card Replacement $10.00 Check Copy $5.00 Counter Checks $1.00 Escheat Fee $75.00 Fax Service (per page) $4.00 Foreign Checks Individually Priced Gift Card $3.95 Incoming Domestic Wire $17.00 Levy, Writs, Garnishments $150.00 NSF (Returned Item) $36.00 Outgoing Domestic Wire $25.00 Outgoing Foreign Wires Individually Priced Overdraft (Paid Item) $36.00 Overdraft Protection Transfer $10.00 Returned Deposit Item $10.00 Signature Guarantee $10.00 Statement Copy $10.00 Stop Payment $36.00 Schedule of Fees

Frequently Asked Questions

Will Eureka Bank be changing its name? Will my online banking and bill Can I keep my current loan Yes. The name and logo of Eureka Bank will payment options change? coupon book for my payments? be changing. Once the merger is complete, Yes. You will be able to access the New Online Loan Payments will continue to be processed at the we will operate as NexTier Bank. Banking at www.nextierbank.com. If you currently existing Eureka Bank address on your loan account. Your have accounts at NexTier, you will be able to view existing coupon book may continue to be used for the life Can I keep my current account numbers? all accounts using your current NexTier login. See of your loan unless you are contacted directly. Yes. There will be no change to account numbers. page 11 for details. Fair Credit Reporting Act Will there be any changes to Can I continue using my current You have the right under the Fair Credit Reporting Act, checks and deposit tickets? my account statement? section 623, to dispute information that NexTier Bank, N.A. has provided to the credit reporting agencies. NexTier Bank, Yes. Please continue to use your current checks. Yes. The appearance will change, but the information N.A. will complete a thorough investigation of the information Once your existing supply is depleted, your new reported will remain the same. Check images and you provide, and will take the appropriate action based on order should be modified to include the new bank electronic statements are available with Online the outcome of the investigation. NexTier Bank, N.A. will name and routing number. Banking. See page 11 for complete details. notify you directly by mail of the results of the investigation. Will the FDIC continue to insure Do I need to change my direct To initiate a credit dispute investigation, please deposit or direct debit information? my bank account post-merger? send a written description of the dispute to: Yes. All NexTier Bank accounts will continue to No. We will provide any necessary changes to the NexTier Bank, N.A. be insured by the FDIC. For more information visit: originator of your deposit or debit transaction. Attn: Credit Disputes http://www.fdic.gov/deposit/ P.O. Box 929 Will my debit card and/or personal Will my automatic payments or Kittanning, PA 16201 identification number (PIN) change? pre-authorized debits change? The written dispute must include 1) the account number, Yes. You will receive a new, Free of Charge, name and address, 2) the specific information that is being ® No. If you currently have an automatic payment NexTier Visa Debit Card in the mail. See disputed, 3) the basis for the dispute, 4) all supporting or pre-authorized debit from your account, it will page 11 for complete details. documentation required to substantiate the basis for the occur as scheduled. dispute including a copy of the relevant portion of the What will happen to the rate What will happen to the rate consumer credit report that is in question. Once NexTier and term of my Loan? Bank, N.A. completes a thorough investigation, a letter will and term of my Loan? be sent to you summarizing the result of the investigation Your accounts will retain their existing and any action that was taken. terms and conditions. Your accounts will retain their existing terms and conditions. 9 Convenience Banking Services

Debit Cards Our Website is Changing! Statement Production The New Chip Card – A smarter, more secure debit Beginning Monday, February 8, you will be Paper and Electronic Statements card will be delivered to you the week of January 25th. redirected from www.eurekabancorp.com to All checking and statement savings accounts Information programmed into the chip is personalized our new website, www.nextierbank.com. will receive a statement with transactions posted for your account and each transaction is unique, adding through February 5. Going forward, you will a new safeguard against fraud. Activate immediately by receive your statement as usual. calling 1-800-992-3808. Online Banking & Bill Pay For Customers with a Passbook Savings Account Begin using your new card on Monday, February 8. www.nextierbank.com please see page 7 for statement information. *Remember to contact any vendors for all ACH / Bill Pay You can access Online Banking, Bill Pay and Payments to update your new card information. eStatements from one convenient login. Your user ID & password will remain the same. Mobile Banking ^ All existing Bill Pay payees, scheduled payments (Touch Banking) Free Telephone Banking and transfers will be converted and occur as Our New Telephone Banking system will be available on previously scheduled. However, please review NexTier Mobile will be available beginning Monday, February 8 at 1-866-725-5413 or 1-844-639-8437. to ensure all are set up as intended. Monday, February 8. See page 12 for details. Your temporary password will be the last four digits of your ^ Popmoney contacts will not be converted to If you are a current user of Touch Banking, you social security number. NexTier Online Banking. Please re-add those will need to remove this app from your device contacts, and any scheduled payments. prior to downloading the NexTier Mobile App. ^ Tutorials will be available on our website.

11 Introducing

Mobile Banking on-the-go just got better. With our NexTier Mobile App, you can bank when it’s best for you from the ease of your smart phone or tablet. Download NexTier Mobile from the App Store today!

Mobile Deposits

Make mobile deposits with the NexTier Mobile App. Now Available!

Message and data rates may apply.

Account Alerts Receive alerts about your account activity on any phone with text messaging capabilities.

^ Receive a text alert if your account falls below your selected amount ^ Receive a text alert when deposits are made ^ Receive a text alert when a check has cleared Available for all mobile devices that can send and receive text messages. Message and data rates may apply. Mobile Bill Pay Pay your bills directly from the palm of your hand. It’s simple, just select your payee from the list, enter the amount, payment date and confirm. You also have the option to view and modify pending payments. NexTier Mobile Bill Pay is available to all Text Banking Mobile Web Banking Mobile App of our consumer and small business online bill pay subscribers. Text messages delivered directly to your Visit www.nextierbank.com from your Download NexTier Mobile from the App Bill pay is available with our Mobile Web cell phone! Enroll through online banking smart phone to have account access Store and enjoy the freedom of banking Banking and Smart Phone App only. and send a message to 99588. on any mobile web browser. on-the-go with Mobile Deposits. ^ Text BAL to view your account balance ^ View real-time account balances ^ Check your account balances ^ Text HIST + “account nickname” to ^ View transaction history ^ View transaction history Popmoney: Send money to anyone receive transaction history ^ ^ Transfer funds between accounts Transfer funds between accounts using their email address, mobile ^ Receive text Account Alerts ^ Pay bills from your mobile phone ^ Pay bills from your mobile phone number or account information. Text Stop to 99588 to cancel messages. ^ Locate a nearby ATM ^ Deposit checks with Mobile Deposit Text Help to 99588 for help. ^ Receive text Account Alerts A2A Transfers: Transfer money Message and data rates may apply. to your account at another 13 Message and data rates may apply. Message and data rates may apply. financial institution. Personal Deposit Accounts Essential Checking We have the perfect solution for you and your family. ^ No minimum balance requirement ^ Unlimited check writing and teller transactions Free Checking ^ Free NexTier Visa® Debit Card ^ Free ATM withdrawals on the Freedom ^ No minimum balance requirement ATM Alliance Network ^ No monthly service charge ^ Online Banking with Bill Pay ^ Unlimited check writing and teller transactions ^ Free Mobile Banking ® ^ Free NexTier Visa Debit Card ^ Free Telephone Banking ^ Free ATM withdrawals on the Freedom ^ $50.00 minimum deposit to open ATM Alliance Network ^ Sign up for eStatements within sixty (60) days ^ Free Telephone Banking of account opening to avoid an $8 monthly ^ $50.00 minimum deposit to open service charge ^ Overdraft Privilege limit of $500. See enclosed ^ Overdraft Privilege limit of $500. See enclosed form for details and important opt-in info. form for details and important opt-in info.

Personal Checking with Interest

^ Interest bearing account 1 NexTier Gold Plus Checking ^ Unlimited check writing and teller transactions ^ Free NexTier Visa® Debit Card ^ Interest bearing account 1 ^ Free ATM withdrawals on the Freedom ATM Alliance Network ^ Unlimited check writing and teller transactions ^ Free Online Banking with Bill Pay NexTier Gold Checking ^ Free NexTier Standard Checks ^ Free Mobile Banking ^ Free NexTier Visa® Debit Card ^ Unlimited check writing and teller transactions ^ Free Telephone Banking ^ Free ATM withdrawals on the Freedom ® ^ Free NexTier Visa Debit Card ATM Alliance Network ^ $50.00 minimum deposit to open ^ Free ATM withdrawals on the Freedom ^ Free Online Banking with Bill Pay ^ Maintain a minimum daily balance of $1,500 ATM Alliance Network or a monthly average balance of $5,000 to avoid ^ Free Mobile Banking ^ Free Online Banking with Bill Pay a $10 monthly service charge ^ Free Telephone Banking ^ Free Mobile Banking ^ Overdraft Privilege limit of $500. See enclosed ^ Free Small Safe Deposit Box ^ Free Telephone Banking form for details and important opt-in info. ^ Free Cashier Checks ^ Free Small Safe Deposit Box ^ Periodic Loan Discounts & CD Rates ^ Periodic Loan Discounts For all existing Eureka Bank accounts, the ^ Identity Fraud Insurance Available ^ Identity Fraud Insurance Available monthly service charges will be waived. ^ $50.00 minimum deposit to open ^ $50.00 minimum deposit to open ^ Maintain a combined monthly balance of ^ 1. Interest rate and annual percentage yield may Maintain a combined monthly balance of $20,000 2 in personal deposit and loan accounts 2 change. Interest begins to accrue on the business $5,000 in personal deposit and loan accounts to avoid a $15 monthly service charge day we receive your deposit. Interest is calculated to avoid a $10 monthly service charge ^ Overdraft Privilege limit of $1,500. See enclosed on the Daily ledger balance. Interest accrued daily. ^ Compound & credited monthly. Overdraft Privilege limit of $1,000. See enclosed form for details and important opt-in info. form for details and important opt-in info. 2. Does not include Mortgage balances.

15 Personal Savings

^ Interest bearing account 2 ^ Free NexTier Visa® Debit Card ^ Free ATM withdrawals on the Freedom ATM Alliance Network ^ Free Online Banking ^ Free Mobile Banking ^ Free Telephone Banking ^ Receive monthly or quarterly statements ^ $50.00 minimum deposit to open ^ Maintain a monthly average balance of $100 to avoid a $3 monthly service charge ^ Transfers from this type of account to another account or to third parties by pre-authorized or automatic transfer are limited to six (6) per statement cycle

Free Kids Savings

An account designed for children under the age of 18 with all of the features mentioned above. No minimum balance requirement. Initial deposit of $25.00 is requested to open.

Premium Gold Money Market

^ Interest bearing account with check writing capabilities 1 Personal Money Market ^ Free NexTier Visa® Debit Card ^ Free ATM withdrawals on the Freedom ^ Interest bearing account with check ATM Alliance Network 1 writing capabilities ^ Free Online Banking with Bill Pay ^ ® Savings Club Free NexTier Visa Debit Card ^ Free Mobile Banking ^ Free ATM withdrawals on the Freedom ^ Free Telephone Banking ^ No minimum balance requirement ATM Alliance Network ^ $10,000.00 minimum deposit to open ^ No service fees ^ Free Online Banking with Bill Pay ^ Maintain a monthly average balance of ^ Interest bearing account 3 ^ Free Mobile Banking $10,000 to avoid a $20 monthly service charge ^ Select the maturity date from 7 to 12 ^ Free Telephone Banking ^ months from account opening Transfers from this type of account to another ^ $1,500.00 minimum deposit to open account or to third parties by pre-authorized ^ Free Online Banking ^ Maintain a minimum daily balance of $1,500 or automatic transfer are limited to six (6) per ^ Free Mobile Banking or monthly average balance of $5,000 to avoid statement cycle ^ Free Telephone Banking a $10 monthly service charge ^ No minimum deposit to open ^ Transfers from this type of account to another ^ Penalty for early withdrawal may apply account or to third parties by pre-authorized or automatic transfer are limited to six (6) per Excessive Transaction Fee for Money Market 1. Interest rate and annual percentage yield may change. Interest statement cycle begins to accrue on the business day we receive your deposit. & Savings accounts is $10 per occurrence. Interest is calculated on the Daily ledger balance. Interest accrued daily. Compounded & credited monthly. 2. Interest rate and annual percentage yield may change. Interest begins to accrue on the business day we receive your For all existing Eureka Bank accounts, the deposit. Interest is calculated on the Daily ledger balance. Interest accrued daily. Compounded & credited quarterly. monthly service charges will be waived. 3. Interest rate and annual percentage yield may change. Interest begins to accrue on the business day we receive your deposit. Interest is calculated on the Daily ledger balance. Interest accrued daily. Compounded & credited at maturity. 17 Loans & Mortgages

Our experienced lenders will help you find the perfect solution. We offer a variety of lending products with flexible terms, competitive interest rates, and convenient repayment plans.

Home Equity

Home Equity Loan Mortgages Features ^ Competitive interest rates Up to 90% Financing! ^ The full loan amount up front ^ Security of a fixed interest rate Consumer Loans ^ Private Mortgage Insurance Not Required ^ Convenience of fixed monthly payments ^ Fixed Rate Mortgages ^ A predictable payoff schedule Fast Approval. Flexible Terms. ^ Conventional and Jumbo Mortgages ^ Benefit from interest that may be tax Affordable Rates. No Hidden Fees! ^ Adjustable Rate Mortgages deductible (consult your tax advisor) ^ Construction Mortgages ^ Personal Loans – secured and unsecured ^ Personal Lines of Credit – secured and unsecured Buy. Home Equity Line of Credit ^ Loans secured by savings, stocks, bonds, mutual ^ Up to 90% financing Features funds, or cash value life insurance ^ Simple application process ^ Competitive interest rates ^ Auto – new and used with fixed interest payment. Build. ^ Flexibility: apply once and access your 100% financing of purchase price or book value, credit line anytime you need it whichever is less. ^ Simplified 1-Step Closing ^ Select monthly payments that fit your budget ^ Loans to purchase ATVs, boats, & farm equipment ^ Low Closing Costs ^ Benefit from interest that may be tax Refinance. deductible (consult your tax advisor) ^ Great for remodeling or to pay off debt

19 Business Deposit Accounts Taking your business to the next level.

NexTier Connects Checking

Designed specifically for non-profit organizations.

^ Unlimited check writing and teller transactions ^ Free NexTier Visa® Debit Card ^ Free ATM withdrawals on the Freedom ATM Alliance Network ^ Free Online Banking with Bill Pay ^ Free Telephone Banking ^ $100.00 minimum deposit to open ^ Minimum daily balance of $400 or a monthly average balance of $600 to avoid a $4 monthly service charge ^ Overdraft Privilege limit of $500. See enclosed form for details.

Business Alliance with Interest

^ Available to non-profits, unincorporated associations, and sole proprietorships only. ACH origination, payroll services, and other Business Alliance Plus ^ Interest bearing account 1 cash management options are available. ^ Unlimited check writing and teller transactions See Treasury Management on page 30. ^ 400 free checks, deposit items and / or ^ Free NexTier Visa® Debit Card deposit tickets per month. For items over ^ Free, unlimited ATM withdrawals (charges Business Alliance Checking 400, a $0.40 fee may apply from non-NexTier ATM usage are credited ^ ® Free NexTier Visa Debit Card within one (1) to two (2) business days) ^ No minimum balance requirement ^ Free, unlimited ATM withdrawals (charges ^ Free Online Banking with Bill Pay ^ 200 free checks, deposit items and / or from non-NexTier ATM usage are credited ^ Free Telephone Banking deposit tickets per month. For items over within one (1) to two (2) business days) ^ $100.00 minimum deposit to open 200, a $0.40 fee may apply ^ Free Online Banking with Bill Pay ® ^ Maintain a minimum daily balance of $1,000 or ^ Free NexTier Visa Debit Card ^ Free Telephone Banking an average monthly balance of $2,000 to avoid ^ Free, unlimited ATM withdrawals (charges ^ $100.00 minimum deposit to open a $7 monthly service charge from non-NexTier ATM usage are credited ^ Maintain a minimum daily balance of $10,000 within one (1) to two (2) business days) ^ Overdraft Privilege limit of $1,500. or an average monthly balance of $20,000 to See enclosed form for details. ^ Free Online Banking with Bill Pay avoid a $20 monthly service charge ^ Free Telephone Banking ^ Overdraft Privilege limit of $1,500. 1. Interest rate and annual percentage yield may ^ change. Interest begins to accrue on the business $100.00 minimum deposit to open See enclosed form for details. day we receive your deposit. Interest is calculated ^ Overdraft Privilege limit of $1,500. on the Daily ledger balance. Interest accrued daily. See enclosed form for details. For all existing Eureka accounts, the monthly Compounded & credited monthly. service charges will be waived.

21 Business Money Market

^ Interest bearing account with check Business Statement Savings writing capabilities 1 ^ Free NexTier Visa® Debit Card ^ Interest bearing account 2 ^ Free ATM withdrawals on the Freedom ATM Alliance Network ^ Free NexTier Visa® Debit Card ^ Free Online Banking ^ Free ATM withdrawals on the Freedom ^ Free Telephone Banking ATM Alliance Network ^ $1,500.00 minimum deposit to open ^ Free Online Banking ^ Maintain a minimum daily balance of $1,500 ^ Free Telephone Banking or a monthly average balance of $5,000 to avoid ^ $100.00 minimum deposit to open a $10 monthly service charge ^ Maintain a monthly average balance ^ Transfers from this type of account to another of $100 to avoid a $5 fee account or to third parties by pre-authorized ^ Transfers from this type of account to another or automatic transfer are limited to six (6) per account or to third parties by pre-authorized statement cycle or automatic transfer are limited to six (6) per statement cycle

1. Interest rate and annual percentage yield may change. Interest begins to accrue on the business day we receive your deposit. Interest is calculated on the Daily ledger balance. Interest accrued daily. Compounded & credited monthly. 2. Interest rate and annual percentage yield may change. Interest begins to accrue on the business day we receive your deposit. Interest is calculated on the Daily ledger balance. Interest accrued daily. Compounded & credited quarterly.

23 Commercial Loans ^ Flexible Rate and Term Options ^ Quick turnaround time ^ Available for expansion / refinancing purchases

Lines of Credit

^ Provides liquidity when you need it ^ Pay interest only on amount outstanding Commercial Real Estate ^ Can be used for inventory and accounts receivable funding ^ Owner occupied and investment properties ^ Flexibility for purchase opportunities ^ Office buildings, mixed use properties, rental Term Loans properties, apartment complexes, industrial properties, and land development Letters of Credit ^ Perfect for equipment and vehicle purchases ^ Up to 80% Loan to Value ^ Short or Long Term ^ Cost effective alternative to bonding

Construction Loans

^ Construction of a new facility ^ Small Business Programs Ideal for expanding existing space

Small Business Administration: SBA 504 ^ Real estate and equipment purchase Municipal Lending Leasing ^ Limited borrower cash required ^ Long term fixed rates ^ Flexible municipal financing options including ^ Operating and Capital Leases short-term and long-term ^ Flexible Payment Options Small Business Administration: SBA 7A ^ Essential Purpose Projects ^ Vendor and Dealer Programs ^ Ideal for start up and rapidly growing companies ^ Renovations, Expansions, Equipment Purchases ^ Lease Lines of Credit ^ Expanded terms and conditions ^ Water and Sewer Financing ^ Syndications – expand credit limit without ^ Tax Anticipation Notes affecting your borrowing Various state and local programs available

25 Treasury Management Solutions

Our Treasury Management Solutions provide clients with a unique blend of exceptional customer service and sophisticated products. Our team is committed to keeping you up-to-date on industry enhancements, while providing new products that can improve cash flow, accelerate payment of receivables, simplify payment processes, reduce the risk of fraud, improve returns on funds, and provide detailed reporting.

^ Customized Cash Management Structure ^ Overnight Sweep Accounts ^ Automated Lockbox Services ^ Online Cash Manager Services ^ ACH (Automated Clearing House) Services ^ Electronic Payment Solutions ^ Customized Municipal Lending ^ Account Reconcilement ^ Zero-Balance Accounts ^ Positive Pay and Other Fraud Prevention Services ^ Remote Deposit

NexTier Cash Management services are an extension of your finance department. We can help you achieve the best mix of collection, disbursing, reporting and investing cash, while maintaining liquidity and potential return on those funds.

Business Alliance Analysis Account

^ Designed for customers with higher transaction volumes ^ Monthly fees are offset by a variable earnings credit rate ^ Overdraft Privilege limit of $1,500. See enclosed form for details. 27 Visit our website for more info: www.essnextier.com

Personal and Commercial Insurance

Insurance that goes beyond traditional products for personal and business needs. It’s our priority to develop the best program design to protect your assets.

We provide hands-on expertise for personal, commercial, life and health insurance, bonding and risk management services. Personal Business Homeowners Business Owner’s Policy Condominiums Commercial Automobile Renters Crime Personal Articles Cyber Liability Jewelry Directors & Officers Farm Employee Benefits Auto Employment Practices Umbrella Flood Recreational Vehicles General Liability Rental / Seasonal Properties Professional Liability Flood / Earthquake Property Life / Health / Disability Risk Management and Loss Control Surety Bonds Umbrella Worker’s Compensation

Insurance products are not guaranteed by the Bank. Not FDIC Insured. Not a deposit. Not insured by any Federal Government Agency. May 29 lose value including loss of principal. Visit our website for more information: www.nextierwealth.com

Benefit From Unbiased, Professional Guidance

We welcome the opportunity to learn about your goals and create a strategy to help you pursue them. Our mission is to get to know and understand your needs, wants, and long-term goals. We want to help you develop, implement, and monitor a strategy that’s designed to address your individual situation.

NexTier offers access to a selection of personal wealth management services designed to help you successfully manage your wealth. Backed by an impressive, multi-disciplinary team of credentialed professionals, you’ll achieve a sense of clarity and confidence only an experienced, steady hand can provide.

Services Offered Include: ^ Financial Reviews ^ Retirement Planning ^ Investment Planning ^ Insurance

Not FDIC Insured Not Bank Guaranteed May Lose Value Not Insured by Any Federal Government Agency Not a Bank Deposit

Securities offered through LPL Financial, member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. NexTier Bank and NexTier Wealth Management are not registered broker/dealers and are not affiliated with LPL Financial. 31 CONVENIENT LOCATIONS and Westmoreland Counties. throughout Allegheny, Armstrong,Butler Visit anyofour26convenientlocations Sat 9AM–Noon F 9AM–6PM M-Th 9AM–4PM Lobby Hours: Sat 8:30AM–Noon F 8:30AM–6PM M-Th 8:30AM–4:30PM Drive-Thru Hours: Kittanning, PA 16201 222 MarketStreet Downtown Kittanning Sat 9AM–3PM M-F 9AM–7PM Lobby &Drive-ThruHours: Cranberry Township, PA 16066 20249 Route19 Cranberry Sat 9:30AM–12:30PM F 9:30AM–6PM M-Th 9:30AM–4PM Lobby &Drive-ThruHours: Butler, PA 16001 196 ClearviewCircle Clearview Mall Sat 9AM–Noon F 9AM–6PM M-Th 9AM–4PM Lobby &Drive-ThruHours: Chicora, PA 16025 130 HummingbirdPlaza Chicora F 9AM–6PM M-Th 9AM–4:30PM Lobby Hours: F 8:30AM–6PM M-Th 8:30AM–4:30PM Drive-Thru Hours: Kittanning, PA 16201 105 BurtonDrive 422 East Sat 9AM –Noon F 9AM– 6PM M-Th 9AM–4:30PM Lobby Hours: Sat 8:30AM–Noon F 8:30AM–6PM M-Th 8:30AM–4:30PM Drive-Thru Hours: Kittanning, PA 16201 316 FirstAvenue Highlands Sat 9AM–Noon M-F 9AM–4:30PM Lobby Hours: Freeport, PA 16229 236 5thStreet Freeport F 9AM–6PM M-Th 9AM–4PM Lobby &Drive-ThruHours: Evans City, PA 16033 238 EastMainStreet Evans City 4 15 17

12 21 19 5 14 ATMs availableat alllocations, withtheexception ofParker, Petrolia, Hilltop Plaza andLoan Operations F 9AM–6PM M-Th 9AM–4PM Lobby &Drive-ThruHours: Pittsburgh, PA 15213 3455 ForbesAvenue Oakland F 9AM–6PM M-Th 9AM–4PM Lobby &Drive-ThruHours: Gibsonia, PA 15044 101 NorthtowneSquareDrive Northtowne M-F 9AM–4PM Lobby &Drive-ThruHours: Butler, PA 16001 101 EastDiamondStreet Morgan Center Sat 9:30AM–3PM F 9:30AM–7PM M-Th 9:30AM–6:30PM Lobby &Drive-ThruHours: Butler, PA 16001 100 MorainePointePlaza Moraine Pointe M-F 9AM–4PM Lobby &Drive-ThruHours: Lyndora, PA 16045 1 Lyn-Mar Plaza Lyndora Sat 9AM–1PM F 9AM–6PM M-Th 9AM–5PM Lobby Hours: Leechburg, PA 15656 160 MarketStreet Leechburg Sat 10AM–2PM F 10AM–8PM M-Th 10AM–7PM Lobby Hours: Kittanning, PA 16201 4 HilltopPlaza Hilltop Plaza F 10AM–6PM Th 10AM–4PM M-W 10AM–3PM Lobby &Drive-ThruHours: Petrolia, PA 16050 100 SouthArgyleStreet Petrolia F 9AM–6PM M-Th 9AM–4PM Lobby Hours: Parker, PA 16049 102 SouthWayne Avenue Parker 8:30AM –4PM Walk-Up Hours: Kittanning, PA 16201 201 MarketStreet Loan Operations 2 26 7 3 16 24 11 6 8 13 Sat 9AM–1PM F 9AM–6PM M-Th 9AM–5PM Lobby Hours: Wexford, PA 15090 100 VIPWexfordDrive,Suite108 T-Bones Plaza F 9AM–5PM M-Th 9AM–4PM Lobby &Drive-ThruHours: Slippery Rock,PA 16057 121 SouthMainStreet Slippery Rock Sat 9AM–Noon F 9AM–6PM M-Th 9AM–4PM Lobby &Drive-ThruHours: Pittsburgh, PA 15209 1626 BabcockBoulevard Shaler F 9AM–6PM M-Th 9AM–4PM Lobby &Drive-ThruHours: Saxonburg, PA 16056 333 MainStreet,Suite100 Saxonburg Allegheny County 25 Butler County Butler County 18 1 22 Sat 9AM–Noon F 9AM–6PM M-Th 9AM–4PM Lobby &Drive-ThruHours: Zelienople, PA 16063 226 SouthMainStreet Zelienople F 9AM–6PM M-Th 9AM–4:30PM Lobby Hours: F 8:30AM–6PM M-Th 8:30AM–4:30PM Drive-Thru Hours: Worthington, PA 16262 15104 Route422West Worthington F 9AM–5PM M-Th 9AM–4PM Lobby &Drive-ThruHours: Wexford, PA 15090 11361 PerryHwy Wexford Sat 8:30AM–Noon M-F 8:30AM–6PM Lobby &Drive-ThruHours: Kittanning, PA 16201 409 ButlerRoad West Kittanning W estmoreland County 23 20 9 County Armstrong 10 33

CUSTOMER CARE CENTER Extended Calling Hours Give us a call, locally: (out of area, toll-free) SATURDAY FEBRUARY 6 from 8AM – 5PM SUNDAY FEBRUARY 7 from 9AM – 3PM 412.681.8400 OR 412.821.4879 | 1.800.262.1088 M-F, WEEK OF FEBRUARY 8 from 8AM – 8PM Revised December 2015