DISCLOSURES

1 PNC Solution Loans and PNC Education Refinance Loans are subject to credit approval. Certain restrictions and conditions apply. PNC reserves the right to modify or discontinue the terms of these programs at any time. NOTE: Applying with a creditworthy cosigner who is the age of majority in their state is required for 17-year-old applicants and when the applicant is not the age of majority in the state they reside. PNC encourages borrowers to explore all scholarship, grant and federal borrowing options before applying for a private loan. Federal loans have benefits that may not be available under a private loan.

2 Automated Payment Discount: During repayment, an interest rate discount of 0.50% is available for automated payments. Borrower must be making scheduled payments that include both principal and interest. Interest-only payments do not qualify. The rate discount will be applied at the time automated payment is established. If automated payment is discontinued at any time, the discount will be removed and the rate will increase by 0.50%.

3 Cosigner Release: Requires that the borrower has made at least forty-eight (48) consecutive timely payments of principal and interest with no periods of interruption within that 48-month time frame. To qualify, the borrower must submit a request, meet the consecutive, timely payment requirements, provide proof of income and pass a credit check.

4 Refinancing: Refinancing at a longer repayment term may lower the borrower’s monthly student loan payments, but may also increase the total interest paid over the life of the loan. Refinancing at a shorter repayment term may increase the borrower’s monthly student loan payments, but may lower the total interest paid over the life of the loan. The borrower should contact PNC to discuss the option that best meets the borrower's needs.

Certain Federal Benefits Will Be Lost or Not Available: By refinancing federal loans through this PNC Education Refinance Loan, the borrower will lose or not be able to select other payment plans available to federal student loan borrowers, such as income-contingent repayment or income-based repayment. Federal student loans offer deferment, forbearance and loan forgiveness options that may not be available under a PNC Education Refinance Loan. The borrower should compare current benefits with this program to ensure that any loss of existing benefits is fully understood. In addition, PNC recommends that the borrower review and have a clear understanding of the Federal relief available and how it may impact their situation. When the borrower refinances existing federal student loan debt with PNC, the borrower may waive current or potential future benefits and protections.

5 Scholarship: No purchase necessary to win. Void where prohibited or restricted by law. A purchase or transaction does not increase your chances of winning. Entries will be accepted at pnc.financialliteracy101.org/scholarship. The Scholarship is open to students enrolled at least half-time in a PNC Solution Loan®-eligible college or university who are 18 years of age (or the age of majority in their state) or older at time of the drawing. To enter, you must create a PNC Financial Literacy account, meet the eligibility requirements, and opt in to the drawing and agree to the Official Rules. Once you have created the account and have opted into the Scholarship, you will be eligible for the subsequent two drawings that take place within 12 months of registration. Employees of Decision Partners LLC and The PNC Financial Services Group, Inc., their affiliates, subsidiaries, advertising and promotion agencies, as well as such employees’ immediate family members (or persons living in the same household), are not eligible. The Scholarship is governed by the law of the Commonwealth of Pennsylvania. Six (6) $10,000 college scholarships will be awarded twice each calendar year. Odds of winning will depend on the number of eligible entries received. On or about June 1 and December 1, winners will be drawn at random from all entries submitted. Winners will be contacted by email and/or telephone. Taxes are responsibility of winner. Prizes are not transferable. No substitution of prizes permitted. Scholarship winners will be required to execute and return a Verification of Eligibility and Release of Liability. See official Scholarship rules at pnc.financialliteracy101.org/scholarship/official_rules. Sponsored by PNC Bank, National Association.

6 Low Cash Mode® is only available on the Spend account of your Virtual Wallet product.

7 PNC does not charge a fee for Mobile Banking. However, third-party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply. Also, a supported mobile device is needed to use the Mobile Banking app. Mobile Deposit is a feature of PNC Mobile Banking. Use of the Mobile Deposit feature requires a supported camera-equipped device and you must download a PNC mobile banking app. Eligible PNC Bank account and PNC Bank Online Banking required. Certain other restrictions apply. See the mobile banking terms and conditions in the PNC Online Banking Service Agreement.

8 In order to avoid overdraft fees, you must bring the available balance in your account to at least $0 before your Extra Time expires. If you make a deposit, the time it takes for your deposit to be reflected in your available balance and for those funds to become available to you will vary based on the deposit type and time. Depending on your deposit type or your deposit time, your deposit may not be available before your Extra Time period expires, and you may incur overdraft fees. See your Funds Availability policy for more information. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.

9 Payment Control applies to certain individual checks, and payments made using your routing and checking account numbers (ACH transactions). Debit card transactions do not qualify for Payment Control. When you choose to return an item that has been presented to PNC for payment, we will return the item to the payee’s bank for insufficient funds, and the payee will not receive payment from PNC. You may still have an obligation to pay the payee for goods, services or other products. PNC is not responsible for satisfying any obligations between you and the payee or any other party with respect to an item you decide to return. Before choosing to return an item, you should consider rules the payee may have or actions the payee may take on late/returned payments. Overdrawing an account, maintaining a negative available balance for any period of time, and returning transactions as unpaid may have other consequences, including account closure or negative impacts to your ability to obtain financial services including loans, deposit accounts, and other services at PNC and other institutions.

10 PNC Alerts are free to customers. However, third-party message and data rates may apply. These include fees your wireless carrier may charge you for data usage and text messaging services. Check with your wireless carrier for details regarding your specific wireless plan and any data usage or text messaging charges that may apply.

11 Zelle® should only be used to send or receive money with people you know and trust. Before using Zelle® to send money, you should confirm the recipient's email address or U.S. mobile phone number. Neither PNC nor Zelle® offers purchase protection for payments made with Zelle® — for example, if you do not receive the item you paid for, or the item is not as described or as you expected. Zelle® is available to almost anyone with a bank account in the U.S. Transactions typically occur in minutes between enrolled users. If the recipient has not enrolled, the payment will expire after 14 calendar days. See the PNC Zelle Terms of Use for additional terms and conditions. Use of Zelle® is subject to and conditional upon adherence to the terms and conditions of the PNC Zelle® Terms of Use.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

PNC, PNC Bank, PNC Solution Loan, Low Cash Mode and Virtual Wallet are registered marks of The PNC Financial Services Group, Inc.

INFORMATION IS SUBJECT TO CHANGE WITHOUT NOTICE.